FREEDOM FIRST
Charter #11111 · Roanoke, VA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 0.16% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 15th percentile but its structural peers at the 61st — a 45-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FREEDOM FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.22B | 15th pct | 61th pct |
| Members | 62,937 | 12th pct | 51th pct |
| Net worth ratio | 10.94% | 54th pct | 66th pct |
| Return on average assets | 0.56% | 36th pct | 49th pct |
| Net interest margin | 3.07% | 34th pct | 31th pct |
| Cost of funds | 2.40% | 84th pct | 74th pct |
| Loan-to-share | 104.04% | 95th pct | 82th pct |
| Delinquency 60+ days | 0.40% | 26th pct | 33th pct |
| Net charge-off ratio | 0.16% | 11th pct | 25th pct |
| Loan growth YoY | 2.81% | 65th pct | 66th pct |
| Share growth YoY | 1.23% | 12th pct | 11th pct |
| Efficiency ratio | 83.59% | 88th pct | 72th pct |
structural peer set hash: 7c66677f3dcdd345e6513a36fb3f775c… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.