State credit union · SPRINGFIELD, Massachusetts · NCUA charter #66824
FREEDOM
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $751.8M
- Total assets
- 31,606
- Members
- 14.2%
- Net-worth ratio
FREEDOM scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $751.8M; members 31,606; net-worth ratio 14.22%; health rank #2,960 of 4,374; healthier than 31st of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,960 of 4,374 health · 2025Q4FREEDOM · health 78/100 · $751.8M · 2025Q4
- CHARTER 78/100
- NCUSIF 14.2%
- CAMELS 2.26%
- HEALTH 0.41%
- NW $751.8M
- DELQ 31,606
- ROA #2,960/4,374
- ASSETS KOHLER
- MEM 66824
Call Report peers
FREEDOM in the assets neighbourhood
FREEDOM's $751.8M assets sit next to KOHLER ($751.6M) 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
78 31st percentile higher than 31% 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
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #66824. See our deposit-insurance coverage note.
Where FREEDOM diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 88.38% vs peer 83.90% (+4.48 pp).
- Widest shortfall vs peers is Delinquency Rate: +1.39 pp (2.26% vs 0.87%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where FREEDOM sits in Massachusetts
- Health composite ranks #89 of 126 among scored Massachusetts credit unions.
- Massachusetts assets place: #20 of 126.
- Membership ranks #22 of 126 among Massachusetts CUs with a reported count (31,606 members).
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
FREEDOM Call Report trajectory
FREEDOM: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $751.8M (2025Q4) to $757.4M (2026Q1).
- Net-worth ratio shifted +0.02 pp (14.20% → 14.22%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.22%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 10.8 pts
- Return on Assets 13.7 pts
- Member Growth 8.4 pts
- Loan-to-Share Ratio 15.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.22% | +3.04 pp |
| Delinquency Rate | 2.26% | +1.39 pp |
| Return on Assets | 0.41% | -0.10 pp |
| Member Growth | -0.32% | - |
| Loan-to-Share Ratio | 88.38% | +4.48 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 | $757.4M | - |
| 2025Q4 | $751.8M | 31,606 |
| 2024Q4 | $734.1M | 31,707 |
| 2023Q4 | $738.4M | 31,991 |
Credit Union Details
- Charter Number
- 66824
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Massachusetts
- City
- SPRINGFIELD
- Data Quarter
- 2025Q4
Branch Locations (10)
Per its most recent NCUA branch filing, FREEDOM runs 10 offices in 8 different cities.
| Office | City |
|---|---|
| SPRINGFIELD-MAIN OFFICE (Main Office) | SPRINGFIELD, MA |
| CHICOPEE | CHICOPEE, MA |
| FEEDING HILLS | FEEDING HILLS, MA |
| GREENFIELD | GREENFIELD, MA |
| LUDLOW | LUDLOW, MA |
| NORTHAMPTON | NORTHAMPTON, MA |
| COOLEY STREET | SPRINGFIELD, MA |
| BOYLSTON | SPRINGFIELD, MA |
| TURNERS AVE A | TURNERS FALLS, MA |
| West Springfield | West Springfield, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
Other federally-insured credit unions in Massachusetts, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for FREEDOM, both outside Massachusetts so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($751.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- FREEDOM ranks #2,960 of 4,374 nationally on financial health and #89 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Polish National is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Polish National
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts 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?
A 14.22% net worth ratio and a 2.26% delinquency rate feed into FREEDOM's financial health score of 78/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,960 of 4,374; by total assets it ranks #583 of 4,374 nationally (same basis as /rankings/largest); and #20 of 126 within Massachusetts. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does FREEDOM compare to other credit unions?
Five weighted metrics from NCUA filings produce FREEDOM's 78/100 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 14.22% 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.
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.