State credit union · WARMINSTER, Pennsylvania · NCUA charter #60275
FREEDOM
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $1.46B
- Total assets
- 61,578
- Members
- 13.2%
- Net-worth ratio
FREEDOM scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.46B; members 61,578; net-worth ratio 13.24%; health rank #2,423 of 4,374; healthier than 43rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,423 of 4,374 health · 2025Q4FREEDOM · health 82/100 · $1.46B · 2025Q4
- PHOTO 82/100
- BOOK 13.2%
- CHARTER 0.84%
- NCUSIF 1.22%
- CAMELS $1.46B
- HEALTH 61,578
- NW #2,423/4,374
- DELQ CENTRIS
- ROA 60275
Call Report peers
FREEDOM in the assets neighbourhood
FREEDOM's $1.46B assets sit next to CENTRIS ($1.46B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
FREEDOM vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
Where FREEDOM diverges from peer averages
- Net Worth Ratio leads the peer set - 13.24% here, 11.18% peer average (+2.06 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -22.22 pp (61.68% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
FREEDOM in Pennsylvania
- Pennsylvania health ordinal: #123 of 275.
- Assets rank #11 of 275 inside Pennsylvania ($1.46B reported).
- Membership ranks #17 of 275 among Pennsylvania CUs with a reported count (61,578 members).
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
FREEDOM: 2025Q4 → 2026Q1
FREEDOM: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $1.46B (2025Q4) to $1.49B (2026Q1).
- Net-worth ratio shifted +0.02 pp (13.22% → 13.24%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.24% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.6 pts
- Return on Assets 15.0 pts
- Member Growth 2.1 pts
- Loan-to-Share Ratio 13.3 pts
FREEDOM vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.24% | +2.06 pp |
| Delinquency Rate | 0.84% | -0.04 pp |
| Return on Assets | 1.22% | +0.71 pp |
| Member Growth | -3.82% | - |
| Loan-to-Share Ratio | 61.68% | -22.22 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
FREEDOM quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.49B | - |
| 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
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for FREEDOM, spread across 3 cities.
| Office | City |
|---|---|
| Operations Center (Main Office) | Warminster, PA |
| Abington Branch | Abington, PA |
| Morrell Plaza Branch | Philadelphia, PA |
| Fairmount Branch | Philadelphia, PA |
| Warminster Branch | Warminster, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Cross-state Call Report peers for FREEDOM
Cross-state asset and health neighbours for FREEDOM - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.46B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- FREEDOM ranks #2,423 of 4,374 nationally on financial health and #123 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Commonwealth is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Commonwealth
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,423 of 4,374; by total assets it ranks #332 of 4,374 nationally (same basis as /rankings/largest); and #11 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.24% 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 13.24% 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.
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.