Federal credit union · ROCHESTER, Pennsylvania · NCUA charter #3487
Freedom United
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $92.0M
- Total assets
- 6,854
- Members
- 18.2%
- Net-worth ratio
Freedom United scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $92.0M; members 6,854; net-worth ratio 18.24%; health rank #2,387 of 4,374; healthier than 43rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,387 of 4,374 health · 2025Q4Freedom United · health 82/100 · $92.0M · 2025Q4
- PHOTO 82/100
- BOOK 18.2%
- CHARTER 0.95%
- NCUSIF 1.37%
- CAMELS $92.0M
- HEALTH 6,854
- NW #2,387/4,374
- DELQ Family Horizons
- ROA 3487
Call Report peers
Freedom United in the assets neighbourhood
Freedom United's $92.0M assets sit next to Family Horizons ($92.0M) 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 United 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 United - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #3487. See our deposit-insurance coverage note.
Freedom United: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 18.24% here, 13.62% peer average (+4.62 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -28.84 pp (33.76% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Freedom United: in-state Call Report ranks
- Health composite ranks #119 of 275 among scored Pennsylvania credit unions.
- Assets rank #90 of 275 inside Pennsylvania ($92.0M reported).
- Membership ranks #93 of 275 among Pennsylvania CUs with a reported count (6,854 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.
Quarter path for Freedom United
Freedom United: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $92.0M (2025Q4) to $94.8M (2026Q1).
- Net-worth ratio shifted -0.02 pp (18.26% → 18.24%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 18.24%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA 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 20.5 pts
- Return on Assets 15.0 pts
- Member Growth 7.5 pts
- Loan-to-Share Ratio 9.0 pts
Freedom United vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.24% | +4.62 pp |
| Delinquency Rate | 0.95% | -0.02 pp |
| Return on Assets | 1.37% | +0.72 pp |
| Member Growth | -0.82% | - |
| Loan-to-Share Ratio | 33.76% | -28.84 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - Freedom United
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $94.8M | - |
| 2025Q4 | $92.0M | 6,854 |
| 2024Q4 | $87.2M | 6,911 |
| 2023Q4 | $84.8M | 6,971 |
Credit Union Details
- Charter Number
- 3487
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Pennsylvania
- City
- ROCHESTER
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Freedom United runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| FREEDOM UNITED FCU (Main Office) | ROCHESTER, PA |
| FREEDOM UNITED FCU | Harmony, PA |
| FREEDOM UNITED FCU | Monaca, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Cross-state Call Report peers for Freedom United
Cross-state asset and health neighbours for Freedom United - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($92.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- Freedom United ranks #2,387 of 4,374 nationally on financial health and #119 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TIMBERLAND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TIMBERLAND
- 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 United financially healthy?
Yes/no aside, the number is 82/100 (Excellent) - Freedom United'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 #2,387 of 4,374; by total assets it ranks #1,900 of 4,374 nationally (same basis as /rankings/largest); and #90 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 18.24% net worth ratio and 0.95% delinquency rate are the key drivers.
How does Freedom United compare to other credit unions?
82/100 is Freedom United's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 United?
Freedom United 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 United directly for the exact boundaries and application steps.
Is my money safe at Freedom United?
Federal credit unions like Freedom United 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 United's net worth ratio of 18.24% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Freedom United offer compared to banks?
Credit unions like Freedom United 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 United 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.