State credit union · WARMINSTER, Pennsylvania · NCUA charter #60275
Freedom
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $1.46B
- Total assets
- 61,578
- Members
- 13.2%
- Net-worth ratio
Freedom - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #60275: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Freedom - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)86
- Earnings (ROA)100
- Member growth14
- Liquidity (loan-to-share)88
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 13.22% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.22% | 30% |
| Delinquency Rate | 0.84% | 25% |
| Return on Assets | 1.22% | 15% |
| Member Growth | -3.82% | 15% |
| Loan-to-Share Ratio | 61.68% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.46B | 61,578 |
| 2024Q4 | $1.39B | 64,027 |
| 2023Q4 | $1.23B | 65,616 |
Credit Union Details
- Charter Number
- 60275
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Pennsylvania
- City
- WARMINSTER
- Data Quarter
- 2025Q4
What This Data Says About Freedom
61,578 members and $1.46B in total assets sit behind Freedom, a state credit union in WARMINSTER, Pennsylvania, which posts a health score of 82/100 (Excellent) on the five-factor composite, with $777.2M in outstanding loans as of Q4 2025 and a net worth ratio of 13.22% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #60275 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.84% measures loans 60+ days past due against total loans outstanding - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. The loan-to-share ratio of 61.68% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.22% on net income of $17.8M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.82%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Freedom financially healthy?
Yes/no aside, the number is 82/100 (Excellent) - Freedom's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.22% net worth ratio and 0.84% delinquency rate are the key drivers.
How does Freedom compare to other credit unions?
Five weighted metrics from NCUA filings produce Freedom's 82/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Freedom?
Membership eligibility for Freedom depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Freedom directly for current membership requirements and application steps.
Is my money safe at Freedom?
Federal credit unions like Freedom are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Freedom's net worth ratio of 13.22% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Freedom offer compared to banks?
Credit unions like Freedom are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Freedom directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.