BlastPoint's Credit Union Scorecard
FREEDOM
Charter #60275 · PA
FREEDOM has 6 strengths but faces 9 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
- + Wallet Share Momentum: Top 16.5% in tier
- + Profitability Leader: Top 98.9% in tier
- + ROA 0.31% above tier average
- + Members Per Employee (MPE): Top 0.7% in tier
- + Efficiency Ratio: Top 4.6% in tier
- + AMR Growth Rate: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 0.8% in tier
- - Membership Headwinds: Bottom 6.3% in tier
- - Margin Compression: Bottom 9.8% in tier
- - Cost Spiral: Bottom 14.3% in tier
- - Indirect Auto Dependency: Bottom 20.6% in tier
- - Member decline: -7.7% YoY
- - Member Growth Rate: Bottom 5.9% in tier
- - Share Certificate Concentration (%): Bottom 9.5% in tier
- - Net Interest Margin (NIM): Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
62,199
-7.7% YoY-5.5% QoQ
|
-36.5K |
98,678
-1.9% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
16% |
| Assets |
$1.4B
+5.6% YoY-0.9% QoQ
|
$-296.0M |
$1.7B
+0.5% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
40% |
| Loans |
$767.1M
+0.9% YoY-0.2% QoQ
|
$-466.0M |
$1.2B
+0.5% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 12.5% in tier |
| Deposits |
$1.2B
+5.3% YoY-1.3% QoQ
|
$-229.2M |
$1.5B
+1.3% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
43% |
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| ROA |
1.0%
-25.9% YoY+2.3% QoQ
|
+0.3% |
0.7%
+13.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
78% |
| NIM |
2.5%
-4.6% YoY+2.0% QoQ
|
-0.8% |
3.3%
+9.3% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 9.5% in tier |
| Efficiency Ratio |
59.0%
+11.9% YoY-1.4% QoQ
|
-14.9% |
74.0%
-10.9% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 4.6% in tier |
| Delinquency Rate |
0.8%
-26.3% YoY-0.4% QoQ
|
-0.1 |
0.8%
+6.1% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
58% |
| Loan To Share |
62.6%
-4.2% YoY+1.1% QoQ
|
-22.6% |
85.2%
-0.8% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 9.9% in tier |
| AMR |
$32,030
+12.2% YoY+5.0% QoQ
|
+$3K |
$29,172
+2.8% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
73% |
| CD Concentration |
40.0%
-0.2% YoY-1.6% QoQ
|
+11.0% |
29.0%
+0.7% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
Top 11.6% in tier |
| Indirect Auto % |
15.6%
-7.7% YoY-6.3% QoQ
|
-3.2% |
18.8%
-3.0% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
48% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (5)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)