FREEDOM OF MARYLAND

Charter #8550 | MD

500M-750M (169 CUs) Community (281 CUs)
6 500M-750M in MD

FREEDOM OF MARYLAND has 7 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 15.8% in tier
  • + Net Interest Margin 0.55% above tier average
  • + Strong member growth: 31.8% YoY
  • + Member Growth Rate: Top 1.2% in tier
  • + Deposit Growth Rate: Top 2.4% in tier
  • + Asset Growth Rate: Top 3.0% in tier
  • + Loan Growth Rate: Top 4.1% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 3.3% in tier
  • - Indirect Auto Dependency: Bottom 7.3% in tier
  • - ROA 0.21% below tier average
  • - Delinquency rate 0.19% above tier average
  • - AMR Growth Rate: Bottom 5.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Members 42,676
+31.8% YoY-0.1% QoQ
 +2.9K 39,752
-2.7% YoY
 34,720
+7.7% YoY
 33,089
+6.1% YoY
 63rd in tier
Assets $554.7M
+18.8% YoY-2.8% QoQ
 $-67.6M $622.4M
+0.3% YoY
 $624.1M
+9.4% YoY
 $547.7M
+7.8% YoY
 Bottom 23.7% in tier
Loans $438.3M
+21.8% YoY+0.7% QoQ
 +$2.3M $435.9M
-0.4% YoY
 $452.1M
+10.3% YoY
 $388.7M
+8.6% YoY
 50th in tier
Deposits $495.1M
+21.1% YoY-3.2% QoQ
 $-42.9M $538.0M
+1.3% YoY
 $528.8M
+10.3% YoY
 $464.6M
+9.3% YoY
 31st in tier
ROA 0.4%
+1006.6% YoY+15.5% QoQ
 -0.2% 0.7%
+33.9% YoY
 0.6%
+23.1% YoY
 0.7%
+273.4% YoY
 38th in tier
NIM 4.0%
+10.6% YoY+6.7% QoQ
 +0.5% 3.4%
+8.6% YoY
 3.5%
+4.2% YoY
 3.7%
+5.0% YoY
 Top 12.4% in tier
Efficiency Ratio 77.1%
-8.9% YoY+1.6% QoQ
 -1.0% 78.1%
-3.4% YoY
 78.6%
-6.6% YoY
 79.1%
-3.3% YoY
 43rd in tier
Delinquency Rate 1.0%
-38.3% YoY-23.8% QoQ
 +0.2 0.8%
-4.9% YoY
 1.2%
+5.3% YoY
 1.2%
-0.9% YoY
 73rd in tier
Loan To Share 88.5%
+0.6% YoY+4.1% QoQ
 +7.5% 81.0%
-1.8% YoY
 65.0%
-0.2% YoY
 68.0%
-1.7% YoY
 66th in tier
AMR $21,871
-7.8% YoY-1.3% QoQ
 $-5K $26,482
+2.6% YoY
 $20,685
+4.6% YoY
 $19,418
+1.3% YoY
 26th in tier
CD Concentration 27.9%
-9.2% YoY-1.3% QoQ
 +3.5% 24.4%
+4.2% YoY
 20.4%
+10.6% YoY
 19.6%
+6.2% YoY
 64th in tier
Indirect Auto % 30.3%
-12.5% YoY-1.5% QoQ
 +16.4% 14.0%
-5.8% YoY
 7.4%
+4.0% YoY
 7.9%
-2.9% YoY
 Top 16.9% in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#290 of 603 • Top 15.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 31.78%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.45%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 30.35%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (2)

Shrinking Wallet Share

decline
#34 of 244 • Bottom 3.3% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -7.85%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#119 of 525 • Bottom 7.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 18.81%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 30.35%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 31.78%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

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)

Comparing against 169 peers in tier

Top Strengths (5 metrics)

3
Member Growth Rate
growth
Value: 31.78%
Peer Avg: 1.75%
#3 of 169 Top 1.2% in 500M-750M tier
5
Deposit Growth Rate
growth
Value: 21.09%
Peer Avg: 5.25%
#5 of 169 Top 2.4% in 500M-750M tier
6
Asset Growth Rate
growth
Value: 18.81%
Peer Avg: 4.33%
#6 of 169 Top 3.0% in 500M-750M tier
8
Loan Growth Rate
growth
Value: 21.83%
Peer Avg: 4.04%
#8 of 169 Top 4.1% in 500M-750M tier
21
Net Interest Margin (NIM)
profitability
Value: 3.97%
Peer Avg: 3.43%
#21 of 169 Top 11.8% in 500M-750M tier

Top Weaknesses (5 metrics)

160
AMR Growth Rate
growth
Value: -7.85%
Peer Avg: 3.12%
#160 of 169 Bottom 5.9% in 500M-750M tier
152
Net Worth Ratio
risk
Value: 8.36%
Peer Avg: 10.94%
#152 of 169 Bottom 10.7% in 500M-750M tier
141
Net Charge-Off Rate
risk
Value: 0.90%
Peer Avg: 0.51%
#141 of 169 Bottom 17.2% in 500M-750M tier
137
Indirect Auto Concentration (%)
balance_sheet
Value: 30.35%
Peer Avg: 16.19%
#137 of 169 Bottom 19.5% in 500M-750M tier
129
Total Assets
balance_sheet
Value: $554.75M
Peer Avg: $622.38M
#129 of 169 Bottom 24.3% in 500M-750M tier