BlastPoint's Credit Union Scorecard

FREEDOM

Charter #66824 · MA

Community 750M-1B

117 CUs in 750M-1B nationally 7 in MA

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FREEDOM has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 72.3% in tier
+ Net Charge-Off Rate: Top 4.3% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 26.9% in tier
- Credit Quality Pressure: Bottom 29.2% in tier
- ROA 0.27% below tier average
- Efficiency ratio 9.59% above tier (higher cost structure)
- Delinquency rate 1.40% above tier average
- Total Delinquency Rate (60+ days): Bottom 2.6% in tier
- Total Assets: Bottom 3.4% in tier
- Total Deposits: Bottom 3.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	31,707 +0.2% YoY+0.3% QoQ	-19.8K	51,500 +0.7% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	Bottom 9.4% in tier
Assets	$757.4M +2.4% YoY+0.7% QoQ	$-108.2M	$865.6M +0.9% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	Bottom 2.6% in tier
Loans	$524.4M -2.2% YoY-0.4% QoQ	$-70.9M	$595.3M +1.6% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	27%
Deposits	$606.3M +4.5% YoY+1.8% QoQ	$-135.9M	$742.2M +0.6% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	Bottom 2.6% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% -3.9% YoY-35.4% QoQ	-0.3%	0.8% +45.0% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	38%
NIM	2.7% +0.1% YoY-0.6% QoQ	-0.7%	3.5% +6.1% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	Bottom 12.0% in tier
Efficiency Ratio	85.1% +0.9% YoY+6.9% QoQ	+9.6%	75.5% -3.4% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	81%
Delinquency Rate	2.1% +8.4% YoY-8.3% QoQ	+1.4	0.7% -0.1% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	Bottom 2.6% in tier
Loan To Share	86.5% -6.4% YoY-2.1% QoQ	+5.9%	80.6% +0.7% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	58%
AMR	$35,659 +1.0% YoY+0.5% QoQ	+$7K	$28,908 +0.7% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	83%
CD Concentration	34.5% -0.1% YoY-1.7% QoQ	+10.2%	24.3%	25.2%	19.8%	83%
Indirect Auto %	0.0%	-13.8%	13.8%	2.3%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#257 of 257 • Top 72.3% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 1.02%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $3.7K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Concerns (2)

Efficiency Drag

risk

#48 of 596 • Bottom 26.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 85.13%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.02% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 0.23%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Credit Quality Pressure

risk

#390 of 727 • Bottom 29.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.16% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 117 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 13.79%

#1 of 117 Top 0.1% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.05%

Peer Median: 0.47%

#6 of 117 Top 4.3% in 750M-1B tier

Net Worth Ratio

risk

Value: 14.22%

Peer Median: 10.69%

#17 of 117 Top 13.7% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,537

Peer Median: $11,598

#18 of 117 Top 14.5% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $35,659

Peer Median: $26,209

#20 of 117 Top 16.2% in 750M-1B tier

Top Weaknesses (10 metrics)

115

Total Delinquency Rate (60+ days)

risk

Value: 2.08%

Peer Median: 0.56%

#115 of 117 Bottom 2.6% in 750M-1B tier

114

Total Assets

balance_sheet

Value: $757.42M

Peer Median: $858.87M

#114 of 117 Bottom 3.4% in 750M-1B tier

114

Total Deposits

balance_sheet

Value: $606.27M

Peer Median: $735.65M

#114 of 117 Bottom 3.4% in 750M-1B tier

106

Total Members

engagement

Value: 31,707

Peer Median: 51,712

#106 of 117 Bottom 10.3% in 750M-1B tier

105

First Mortgage Concentration (%)

balance_sheet

Value: 52.84%

Peer Median: 32.60%

#105 of 117 Bottom 11.1% in 750M-1B tier

103

Net Interest Margin (NIM)

profitability

Value: 2.73%

Peer Median: 3.47%

#103 of 117 Bottom 12.8% in 750M-1B tier

102

Loan Growth Rate

growth

Value: -2.24%

Peer Median: 4.33%

#102 of 117 Bottom 13.7% in 750M-1B tier

Efficiency Ratio

profitability

Value: 85.13%

Peer Median: 77.38%

#96 of 117 Bottom 18.8% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 34.48%

Peer Median: 26.77%

#95 of 117 Bottom 19.7% in 750M-1B tier

Members Per Employee (MPE)

engagement

Value: 271.000

Peer Median: 328.468

#95 of 117 Bottom 19.7% in 750M-1B tier