FREEDOM
Charter #67129 · Provo, UT · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,437 sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 3.45% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 0.50% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.27% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 10th 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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $69.70M | 46th pct | 33th pct |
| Members | 4,437 | 37th pct | 25th pct |
| Net worth ratio | 11.49% | 35th pct | 54th pct |
| Return on average assets | 1.01% | 66th pct | 70th pct |
| Net interest margin | 3.45% | 35th pct | 15th pct |
| Cost of funds | 0.50% | 24th pct | 18th pct |
| Loan-to-share | 81.17% | 85th pct | 59th pct |
| Delinquency 60+ days | 0.27% | 26th pct | 16th pct |
| Net charge-off ratio | 0.00% | 18th pct | 10th pct |
| Loan growth YoY | 6.21% | 94th pct | 89th pct |
| Share growth YoY | 2.78% | 48th pct | 28th pct |
| Efficiency ratio | 73.62% | 33th pct | 30th pct |
structural peer set hash: d7d794a6c27ba4e65dbe7b06febcf703… (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.