Federal credit union · Roanoke, Virginia · NCUA charter #11111
Freedom First
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $1.22B
- Total assets
- 62,952
- Members
- 10.9%
- Net-worth ratio
Freedom First scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.22B; members 62,952; net-worth ratio 10.94%; health rank #1,296 of 4,374; healthier than 69th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,296 of 4,374 health · 2025Q4Freedom First · health 89/100 · $1.22B · 2025Q4
- MEM 89/100
- RANK 10.9%
- PHOTO 0.41%
- BOOK 0.54%
- CHARTER $1.22B
- NCUSIF 62,952
- CAMELS #1,296/4,374
- HEALTH SIDNEY
- NW 11111
Call Report peers
Freedom First in the assets neighbourhood
Freedom First's $1.22B assets sit next to SIDNEY ($1.22B) 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 First 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
89 Top 31% higher than 69% 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 First - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #11111. See our deposit-insurance coverage note.
Freedom First: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 102.72% here, 83.90% peer average (+18.82 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.24 pp (10.94% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Freedom First sits in Virginia
- In Virginia, health place is #20 of 95 on the same NCUA-ratio sort used nationally.
- By total assets, Freedom First is #13 of 95 in Virginia.
- Member book place in Virginia: #15 of 95.
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Freedom First: 2025Q4 → 2026Q1
Freedom First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.0% from $1.22B (2025Q4) to $1.22B (2026Q1).
- Net-worth ratio shifted -0.03 pp (10.97% → 10.94%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.94%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 9.5 pts
Freedom First health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.94% | -0.24 pp |
| Delinquency Rate | 0.41% | -0.47 pp |
| Return on Assets | 0.54% | +0.03 pp |
| Member Growth | 0.40% | - |
| Loan-to-Share Ratio | 102.72% | +18.82 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 First filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.22B | - |
| 2025Q4 | $1.22B | 62,952 |
| 2024Q4 | $1.17B | 62,702 |
| 2023Q4 | $1.18B | 63,576 |
Credit Union Details
- Charter Number
- 11111
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Virginia
- City
- Roanoke
- Data Quarter
- 2025Q4
Branch Locations (16)
The NCUA branch filing lists 16 physical offices for Freedom First, spread across 7 cities.
| Office | City |
|---|---|
| Operations - Downtown HQ (Main Office) | Roanoke, VA |
| South Main | Blacksburg, VA |
| Prices Fork | Blacksburg, VA |
| Christiansburg | Christiansburg, VA |
| Daleville Branch | Daleville, VA |
| Langhorne | Lynchburg, VA |
| Timberlake | Lynchburg, VA |
| Operations | Roanoke, VA |
| Towers | Roanoke, VA |
| West End | Roanoke, VA |
| Tanglewood | Roanoke, VA |
| Downtown | Roanoke, VA |
| Crossroads 5002 | Roanoke, VA |
| Bonsack Branch | Roanoke, VA |
| Salem | Salem, VA |
| Vinton | Vinton, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
Other federally-insured credit unions in Virginia, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Freedom First - kept outside Virginia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.22B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Freedom First ranks #1,296 of 4,374 nationally on financial health and #20 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- JUSTICE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with JUSTICE
- Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. Virginia 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 First financially healthy?
Freedom First has a financial health score of 89/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,296 of 4,374; by total assets it ranks #399 of 4,374 nationally (same basis as /rankings/largest); and #13 of 95 within Virginia. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.94% and delinquency rate of 0.41%.
How does Freedom First compare to other credit unions?
Freedom First scores 89/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 First?
Freedom First operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Freedom First directly for the exact boundaries and application steps.
Is my money safe at Freedom First?
Federal credit unions like Freedom First 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 First's net worth ratio of 10.94% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Freedom First offer compared to banks?
Credit unions like Freedom First 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 First 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.