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.
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NCUA 5300 Call Report Masthead
#2,960 of 4,374 health · 2025Q4FREEDOM · health 78/100 · $751.8M · 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 75-79 with 502 others.
78 31st percentile higher than 31% 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
- 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%).
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).
- One place up in Massachusetts, Liberty Bay (#88) ties at 78/100; one place down, Taupa Lithuanian (#90) ties at 78/100.
FREEDOM Call Report trajectory
FREEDOM: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $751.8M (2025Q4) to $757.4M (2026Q1).
- Net-worth ratio shifted +0.02 pp (14.20% → 14.22%).
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
FREEDOM gives up 22 points in total. Delinquency Rate costs the most, 14.2 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is FREEDOM financially healthy?
On its 2025Q4 NCUA 5300 filing, FREEDOM scores 78/100 (Very Good), with a 14.22% net worth ratio and 2.26% of loans delinquent. It ranks #2,960 of 4,374 nationally on health and #89 of 126 in Massachusetts.
How does FREEDOM compare to other credit unions?
FREEDOM scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (88.38% vs 83.90%). Its widest shortfall is delinquency rate (2.26% vs 0.87%).
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 14.22% 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.