FREEDOM UNITED
Charter #3487 · ROCHESTER, PA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,838 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 18.24% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.14% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.11% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 54.43% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
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 UNITED | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $94.82M | 93th pct | 75th pct |
| Members | 6,838 | 78th pct | 80th pct |
| Net worth ratio | 18.24% | 86th pct | 82th pct |
| Return on average assets | 2.14% | 96th pct | 93th pct |
| Net interest margin | 4.11% | 72th pct | 87th pct |
| Cost of funds | 0.47% | 22th pct | 26th pct |
| Loan-to-share | 32.22% | 7th pct | 26th pct |
| Delinquency 60+ days | 0.80% | 62th pct | 51th pct |
| Net charge-off ratio | 0.42% | 66th pct | 51th pct |
| Loan growth YoY | -2.40% | 40th pct | 61th pct |
| Share growth YoY | 2.04% | 41th pct | 51th pct |
| Efficiency ratio | 54.43% | 6th pct | 8th pct |
structural peer set hash: d33cb48cd3e40ca4743ccf5458a6284d… (reproducible)
Closest structural peers
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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.