BlastPoint's Credit Union Scorecard

FREEDOM

Charter #66824 · MA

Community 500M-750M

169 CUs in 500M-750M nationally 9 in MA

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FREEDOM has 5 strengths but faces 10 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 95.3% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Total Assets: Top 1.2% in tier
+ Net Charge-Off Rate: Top 5.9% in tier
+ Loan-to-Member Ratio (LMR): Top 9.5% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 2.3% in tier
- Efficiency Drag: Bottom 10.5% in tier
- Institutional Decline: Bottom 17.4% in tier
- Stagnation Risk: Bottom 18.1% in tier
- Membership Headwinds: Bottom 24.4% in tier
- Liquidity Strain: Bottom 33.2% in tier
- ROA 0.16% below tier average
- Efficiency ratio 7.23% above tier (higher cost structure)
- Delinquency rate 1.76% above tier average
- Total Delinquency Rate (60+ days): Bottom 1.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	31,618 -1.4% YoY+0.0% QoQ	-8.1K	39,752 -2.7% YoY	27,447 +2.6% YoY	33,089 +6.1% YoY	22%
Assets	$748.8M +1.8% YoY+1.4% QoQ	+$126.4M	$622.4M +0.3% YoY	$440.2M +4.2% YoY	$547.7M +7.8% YoY	Top 1.8% in tier
Loans	$531.7M -3.7% YoY-1.1% QoQ	+$95.8M	$435.9M -0.4% YoY	$341.2M +2.4% YoY	$388.7M +8.6% YoY	80%
Deposits	$589.5M +3.7% YoY+0.9% QoQ	+$51.5M	$538.0M +1.3% YoY	$366.8M +5.5% YoY	$464.6M +9.3% YoY	73%

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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% +35.5% YoY+68.9% QoQ	-0.2%	0.7% +33.9% YoY	0.7% +17.3% YoY	0.7% +273.4% YoY	40%
NIM	2.7% +9.4% YoY+0.1% QoQ	-0.7%	3.4% +8.6% YoY	3.3% +3.8% YoY	3.7% +5.0% YoY	Bottom 10.1% in tier
Efficiency Ratio	85.3% -3.7% YoY-4.6% QoQ	+7.2%	78.1% -3.4% YoY	80.4% -4.7% YoY	79.1% -3.3% YoY	79%
Delinquency Rate	2.6% +54.9% YoY+7.4% QoQ	+1.8	0.8% -4.9% YoY	0.9% -6.0% YoY	1.2% -0.9% YoY	Top 1.8% in tier
Loan To Share	90.2% -7.1% YoY-2.0% QoQ	+9.2%	81.0% -1.8% YoY	74.2% -1.7% YoY	68.0% -1.7% YoY	70%
AMR	$35,463 +1.5% YoY-0.0% QoQ	+$9K	$26,482 +2.6% YoY	$24,707 +3.7% YoY	$19,418 +1.3% YoY	Top 10.7% in tier
CD Concentration	35.2% +1.6% YoY+0.6% QoQ	+10.8%	24.4% +4.2% YoY	24.8% +8.8% YoY	19.6% +6.2% YoY	Top 15.0% in tier
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	2.6% -15.5% YoY	7.9% -2.9% YoY	Bottom 0.0% in tier

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#245 of 257 • Top 95.3% 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): 1.47%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $3.5K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 281 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank worsening

Concerns (6)

Credit Quality Pressure

risk

#57 of 736 • Bottom 2.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.91% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Efficiency Drag

risk

#186 of 521 • Bottom 10.5% in tier

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

Why This Signature

Efficiency Ratio: 85.33%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.13% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -1.44%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

624 nationally

↓ Shrinking -113 CUs YoY | Rank worsening

Institutional Decline

decline

#138 of 256 • Bottom 17.4% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $748.78M

(Tier: $331.87M, National: $547.69M)

but better than tier avg

Member Growth (YoY): -1.44%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -3.75%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 281 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Stagnation Risk

risk

#299 of 550 • Bottom 18.1% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.44%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -3.75%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 2.56%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline

#402 of 550 • Bottom 24.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.44%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Liquidity Strain

risk

#258 of 258 • Bottom 33.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.19%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): -3.75%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 281 Community CUs have this signature | 484 nationally

↓ Shrinking -28 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 169 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 169 Top 0.0% in 500M-750M tier

Total Assets

balance_sheet

Value: $748.78M

Peer Avg: -

#3 of 169 Top 1.2% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.06%

Peer Avg: -

#11 of 169 Top 5.9% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,817

Peer Avg: -

#17 of 169 Top 9.5% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $35,463

Peer Avg: -

#18 of 169 Top 10.1% in 500M-750M tier

Net Worth Ratio

risk

Value: 13.86%

Peer Avg: -

#22 of 169 Top 12.4% in 500M-750M tier

Total Loans

balance_sheet

Value: $531.71M

Peer Avg: -

#34 of 169 Top 19.5% in 500M-750M tier

Fee Income Per Member

profitability

Value: $244.79

Peer Avg: -

#39 of 169 Top 22.5% in 500M-750M tier

Top Weaknesses (8 metrics)

167

Total Delinquency Rate (60+ days)

risk

Value: 2.56%

Peer Avg: -

#167 of 169 Bottom 1.8% in 500M-750M tier

152

Net Interest Margin (NIM)

profitability

Value: 2.71%

Peer Avg: -

#152 of 169 Bottom 10.7% in 500M-750M tier

149

First Mortgage Concentration (%)

balance_sheet

Value: 53.20%

Peer Avg: -

#149 of 169 Bottom 12.4% in 500M-750M tier

144

Loan Growth Rate

growth

Value: -3.75%

Peer Avg: -

#144 of 169 Bottom 15.4% in 500M-750M tier

143

Share Certificate Concentration (%)

balance_sheet

Value: 35.25%

Peer Avg: -

#143 of 169 Bottom 16.0% in 500M-750M tier

135

Efficiency Ratio

profitability

Value: 85.33%

Peer Avg: -

#135 of 169 Bottom 20.7% in 500M-750M tier

131

Member Growth Rate

growth

Value: -1.44%

Peer Avg: -

#131 of 169 Bottom 23.1% in 500M-750M tier

131

Total Members

engagement

Value: 31,618

Peer Avg: -

#131 of 169 Bottom 23.1% in 500M-750M tier