FREEDOM
Charter #66824 · SPRINGFIELD, MA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.22% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.31% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.08% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.05% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 11th percentile but its structural peers at the 31st — a 21-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 | $757.42M | 60th pct | 43th pct |
| Members | 31,707 | 21th pct | 36th pct |
| Net worth ratio | 14.22% | 89th pct | 92th pct |
| Return on average assets | 0.50% | 39th pct | 41th pct |
| Net interest margin | 2.74% | 11th pct | 31th pct |
| Cost of funds | 0.31% | 10th pct | 5th pct |
| Loan-to-share | 86.49% | 67th pct | 52th pct |
| Delinquency 60+ days | 2.08% | 98th pct | 97th pct |
| Net charge-off ratio | 0.05% | 5th pct | 13th pct |
| Loan growth YoY | -1.38% | 22th pct | 20th pct |
| Share growth YoY | 2.84% | 33th pct | 39th pct |
| Efficiency ratio | 85.13% | 78th pct | 69th pct |
structural peer set hash: 1aa6f02e9a5adaf5fd572af408e113e6… (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.