BlastPoint's Credit Union Scorecard
FREEDOM
Charter #66824 · MA
FREEDOM has 3 strengths but faces 6 concerns
How does the industry compare?
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How does MA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.02% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 18.9% in tier
- - Efficiency ratio 5.28% above tier (higher cost structure)
- - Delinquency rate 1.38% above tier average
- - Total Assets: Bottom 1.7% in tier
- - Total Deposits: Bottom 2.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,606
-0.3% YoY-0.0% QoQ
|
-20.5K |
52,084
-1.6% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
Bottom 9.4% in tier |
| Assets |
$751.8M
+2.4% YoY+0.4% QoQ
|
$-112.1M |
$863.9M
+0.5% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 0.9% in tier |
| Loans |
$526.4M
-3.5% YoY-1.0% QoQ
|
$-79.5M |
$605.8M
+1.4% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
24% |
| Deposits |
$595.6M
+4.6% YoY+1.0% QoQ
|
$-141.7M |
$737.3M
+0.1% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.7% in tier |
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| ROA |
0.8%
+82.2% YoY+54.8% QoQ
|
+0.0% |
0.7%
+39.1% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
55% |
| NIM |
2.7%
+7.2% YoY+1.0% QoQ
|
-0.7% |
3.4%
+8.7% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
15% |
| Efficiency Ratio |
79.6%
-9.3% YoY-6.7% QoQ
|
+5.3% |
74.3%
-3.6% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
64% |
| Delinquency Rate |
2.3%
+26.8% YoY-11.6% QoQ
|
+1.4 |
0.9%
+3.8% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
Top 4.3% in tier |
| Loan To Share |
88.4%
-7.8% YoY-2.0% QoQ
|
+5.8% |
82.6%
+1.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
58% |
| AMR |
$35,497
+1.0% YoY+0.1% QoQ
|
+$7K |
$28,873
+2.7% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
81% |
| CD Concentration |
35.1%
+2.0% YoY-0.5% QoQ
|
+10.6% | 24.4% | 25.0% | 19.8% | Top 14.9% in tier |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)