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
Call Report peers
FREEDOM in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); FREEDOM sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in Pennsylvania, G.A.P. (#122) ties at 82/100; one place down, CORRY (#124) ties at 82/100.
FREEDOM: 2025Q4 → 2026Q1
FREEDOM: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $1.46B (2025Q4) to $1.49B (2026Q1).
- Net-worth ratio shifted +0.02 pp (13.22% → 13.24%).
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
FREEDOM gives up 18 points in total. Member Growth costs the most, 12.9 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is FREEDOM financially healthy?
FREEDOM has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,423 of 4,374 nationally on health and #123 of 275 in Pennsylvania. Its net worth ratio is 13.24% and its delinquency rate 0.84%.
How does FREEDOM compare to other credit unions?
FREEDOM scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (13.24% vs 11.18%). Its widest shortfall is loan-to-share ratio (61.68% vs 83.90%).
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?
FREEDOM is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.