FREEDOM
Charter #60275 · WARMINSTER, PA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.95% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.53% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 2.47% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 59.71% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 10th percentile but its structural peers at the 49th — a 39-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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.49B | 30th pct | 67th pct |
| Members | 60,864 | 10th pct | 49th pct |
| Net worth ratio | 13.24% | 84th pct | 74th pct |
| Return on average assets | 0.95% | 69th pct | 77th pct |
| Net interest margin | 2.53% | 10th pct | 8th pct |
| Cost of funds | 2.47% | 85th pct | 97th pct |
| Loan-to-share | 59.97% | 7th pct | 30th pct |
| Delinquency 60+ days | 0.79% | 65th pct | 67th pct |
| Net charge-off ratio | 0.61% | 58th pct | 59th pct |
| Loan growth YoY | 0.34% | 32th pct | 49th pct |
| Share growth YoY | 4.76% | 61th pct | 66th pct |
| Efficiency ratio | 59.71% | 10th pct | 3th pct |
structural peer set hash: f49f7f054a5d4322a1b084811a6e0435… (reproducible)
Closest structural peers
This is the free public view
Claim FREEDOM
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.