BlastPoint's Credit Union Scorecard
FREEDOM
Charter #60275 · PA
FREEDOM has 6 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does PA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 6.2% in tier
- + Wallet Share Momentum: Top 6.2% in tier
- + ROA 0.15% above tier average
- + Members Per Employee (MPE): Top 0.7% in tier
- + AMR Growth Rate: Top 6.3% in tier
- + Efficiency Ratio: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 49.5% in tier
- - Credit Risk Growth: Bottom 77.7% in tier
- - Membership Headwinds: Bottom 96.8% in tier
- - Stagnation Risk: Bottom 96.8% in tier
- - Member decline: -8.6% YoY
- - Member Growth Rate: Bottom 3.7% in tier
- - Net Interest Margin (NIM): Bottom 6.7% in tier
- - Share Certificate Concentration (%): Bottom 8.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 9 that size in Pennsylvania.
- Shares and deposits +4.5% year over year ($1.30B in shares and deposits).
- Membership: 60,172 members, -8.6% vs a year ago.
- Delinquency rate 0.81%.
- Return on assets 0.97%.
- Efficiency ratio 59.63% vs a 73.02% peer average.
- Loan-to-share ratio 59.92% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
60,172
-8.6% YoY-1.1% QoQ
|
-36.7K |
96,861
-1.9% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
Bottom 14.0% in tier |
| Assets |
$1.5B
+4.4% YoY+0.9% QoQ
|
$-224.5M |
$1.7B
+0.4% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
48% |
| Loans |
$776.7M
+1.1% YoY+0.9% QoQ
|
$-457.5M |
$1.2B
+0.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 13.7% in tier |
| Deposits |
$1.3B
+4.5% YoY+1.0% QoQ
|
$-167.1M |
$1.5B
+0.5% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
49% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.0%
-2.5% YoY+2.6% QoQ
|
+0.1% |
0.8%
+27.6% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
69% |
| NIM |
2.5%
+3.9% YoY+0.5% QoQ
|
-0.9% |
3.4%
+6.6% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 6.3% in tier |
| Efficiency Ratio |
59.6%
-0.4% YoY-0.1% QoQ
|
-13.4% |
73.0%
-2.7% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
Top 9.0% in tier |
| Delinquency Rate |
0.8%
+5.0% YoY+3.3% QoQ
|
+0.0 |
0.9%
+7.3% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
60% |
| Loan To Share |
59.9%
-3.2% YoY-0.1% QoQ
|
-24.8% |
84.7%
+0.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 8.7% in tier |
| AMR |
$34,450
+12.9% YoY+2.1% QoQ
|
+$5K |
$29,575
+1.5% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
80% |
| CD Concentration |
40.3%
-0.7% YoY+1.0% QoQ
|
+11.3% | 29.1% | 15.6% | 20.0% | Top 10.1% in tier |
| Indirect Auto % |
11.5%
-31.2% YoY-13.8% QoQ
|
-6.6% | 18.1% | 8.4% | 7.7% | 40% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)