BlastPoint's Credit Union Scorecard
FREEDOM
Charter #67129 · UT
FREEDOM has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.21% above tier average
- + Strong member growth: 8.4% YoY
- + Member Growth Rate: Top 3.6% in tier
- + Loan-to-Member Ratio (LMR): Top 4.7% in tier
- + Total Loans: Top 5.9% in tier
- + Average Member Relationship (AMR): Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,150
+8.4% YoY+6.1% QoQ
|
+1.5K |
2,615
-1.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
80% |
| Assets |
$68.3M
+1.5% YoY+1.7% QoQ
|
+$38.1M |
$30.1M
+2.1% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
Top 13.3% in tier |
| Loans |
$49.4M
+4.5% YoY+6.0% QoQ
|
+$33.6M |
$15.8M
-1.3% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
Top 6.0% in tier |
| Deposits |
$59.5M
-0.4% YoY+0.4% QoQ
|
+$33.8M |
$25.7M
+1.4% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
Top 12.7% in tier |
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| ROA |
0.8%
+21.8% YoY+13.2% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
58% |
| NIM |
3.4%
+12.4% YoY+1.6% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
33% |
| Efficiency Ratio |
73.7%
-2.8% YoY-0.2% QoQ
|
-8.9% |
82.6%
-2.3% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
35% |
| Delinquency Rate |
0.1%
-77.2% YoY+236.0% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
23% |
| Loan To Share |
83.0%
+4.9% YoY+5.6% QoQ
|
+22.3% |
60.6%
-3.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$26,246
-6.1% YoY-3.0% QoQ
|
+$11K |
$14,783
-1.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
Top 6.9% in tier |
| CD Concentration |
31.9%
+7.8% YoY-7.9% QoQ
|
+7.5% | 24.4% | 28.4% | 19.8% | 50% |
| Indirect Auto % |
10.9%
+11.6% YoY+1.7% QoQ
|
-2.9% | 13.8% | 7.4% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)