BlastPoint's Credit Union Scorecard

FREEDOM

Charter #66824 · MA

Community 750M-1B

111 CUs in 750M-1B nationally 6 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 71.5% in tier
+ Net Charge-Off Rate: Top 4.5% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 8.2% in tier
- Efficiency Drag: Bottom 24.8% in tier
- Stagnation Risk: Bottom 57.6% in tier
- Membership Headwinds: Bottom 57.6% in tier
- ROA 0.27% below tier average
- Efficiency ratio 9.68% above tier (higher cost structure)
- Delinquency rate 1.02% above tier average
- Total Deposits: Bottom 4.5% 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 111 credit unions with $750M-$1B in assets nationally, and 1 of 6 that size in Massachusetts.
Shares and deposits +4.7% year over year ($612M in shares and deposits).
Membership: 31,456 members, -0.5% vs a year ago.
Delinquency rate 1.81%.
Return on assets 0.58%.
Efficiency ratio 84.22% vs a 74.54% peer average.
Loan-to-share ratio 84.64% vs a 82.60% 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 (MA)	National Avg	Tier Percentile
Members	31,456 -0.5% YoY-0.8% QoQ	-21.0K	52,482 +1.3% YoY	18,780 +3.1% YoY	34,678 +6.6% YoY	Bottom 9.0% in tier
Assets	$764.0M +3.5% YoY+0.9% QoQ	$-100.0M	$863.9M +0.5% YoY	$364.5M +6.9% YoY	$593.1M +10.2% YoY	Bottom 4.5% in tier
Loans	$517.7M -3.7% YoY-1.3% QoQ	$-90.1M	$607.8M +2.1% YoY	$274.7M +7.2% YoY	$418.6M +10.1% YoY	21%
Deposits	$611.6M +4.7% YoY+0.9% QoQ	$-128.3M	$739.9M +0.2% YoY	$301.2M +8.1% YoY	$504.8M +10.3% YoY	Bottom 3.6% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% +96.1% YoY+16.1% QoQ	-0.3%	0.8% +30.4% YoY	0.7% +12.3% YoY	1.2% +121.4% YoY	37%
NIM	2.7% +0.0% YoY-0.6% QoQ	-0.8%	3.5% +6.2% YoY	3.3% +1.4% YoY	3.8% +2.3% YoY	Bottom 8.1% in tier
Efficiency Ratio	84.2% -5.9% YoY-1.1% QoQ	+9.7%	74.5% -1.4% YoY	80.1% -1.4% YoY	83.0% -5.3% YoY	85%
Delinquency Rate	1.8% -24.0% YoY-12.7% QoQ	+1.0	0.8% +1.0% YoY	0.8% -7.5% YoY	1.3% +2.6% YoY	Bottom 6.3% in tier
Loan To Share	84.6% -8.0% YoY-2.1% QoQ	+2.0%	82.6% +1.9% YoY	71.9% -1.9% YoY	66.4% -1.4% YoY	49%
AMR	$35,902 +1.2% YoY+0.7% QoQ	+$7K	$28,702 +0.4% YoY	$25,615 +4.4% YoY	$20,028 -0.9% YoY	83%
CD Concentration	34.5% -1.4% YoY+0.2% QoQ	+10.0%	24.6%	25.4%	20.0%	82%
Indirect Auto %	0.0%	-13.6%	13.6%	2.4%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#255 of 262 • Top 71.5% 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): 1.20%

(Tier: 3.97%, National: 35.20%)

but worse than tier avg

Share Draft per Member: $3.5K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 276 Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | New qualifier

Concerns (4)

Efficiency Drag

risk

#208 of 531 • Bottom 24.8% in tier

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

Why This Signature

Efficiency Ratio: 84.22%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.28% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -0.51%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Stagnation Risk

risk

#273 of 549 • Bottom 57.6% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.51%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -3.68%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.81%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Institutional Decline

decline

#146 of 230 • Bottom 8.2% in tier

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

Why This Signature

Total Assets: $763.98M

(Tier: $336.17M, National: $593.11M)

but better than tier avg

Member Growth (YoY): -0.51%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -3.68%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 276 Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | Rank improving

Membership Headwinds

decline

#547 of 549 • Bottom 57.6% in tier

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

Why This Signature

Member Growth (YoY): -0.51%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

653 nationally

↓ Shrinking -15 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 111 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 14.99%

#1 of 111 Top 0.1% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.05%

Peer Median: 0.47%

#6 of 111 Top 4.5% in 750M-1B tier

Net Worth Ratio

risk

Value: 14.26%

Peer Median: 10.80%

#14 of 111 Top 11.7% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,457

Peer Median: $11,611

#18 of 111 Top 15.3% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $35,902

Peer Median: $26,161

#19 of 111 Top 16.2% in 750M-1B tier

Fee Income Per Member

profitability

Value: $292.64

Peer Median: $197.29

#21 of 111 Top 18.0% in 750M-1B tier

Top Weaknesses (11 metrics)

107

Total Deposits

balance_sheet

Value: $611.65M

Peer Median: $737.84M

#107 of 111 Bottom 4.5% in 750M-1B tier

106

Total Assets

balance_sheet

Value: $763.98M

Peer Median: $860.94M

#106 of 111 Bottom 5.4% in 750M-1B tier

105

Total Delinquency Rate (60+ days)

risk

Value: 1.81%

Peer Median: 0.60%

#105 of 111 Bottom 6.3% in 750M-1B tier

104

Loan Growth Rate

growth

Value: -3.68%

Peer Median: 3.68%

#104 of 111 Bottom 7.2% in 750M-1B tier

102

Net Interest Margin (NIM)

profitability

Value: 2.71%

Peer Median: 3.51%

#102 of 111 Bottom 9.0% in 750M-1B tier

101

Total Members

engagement

Value: 31,456

Peer Median: 52,842

#101 of 111 Bottom 9.9% in 750M-1B tier

100

First Mortgage Concentration (%)

balance_sheet

Value: 52.73%

Peer Median: 33.51%

#100 of 111 Bottom 10.8% in 750M-1B tier

Members Per Employee (MPE)

engagement

Value: 255.740

Peer Median: 322.694

#97 of 111 Bottom 13.5% in 750M-1B tier

Efficiency Ratio

profitability

Value: 84.22%

Peer Median: 75.82%

#95 of 111 Bottom 15.3% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 34.54%

Peer Median: 27.05%

#92 of 111 Bottom 18.0% in 750M-1B tier