Credit Union Safety Analysis
Is Freedom Credit Union Safe? Warminster, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Freedom Credit Union has a net worth ratio of 13.37%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.81%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Freedom Credit Union's net worth ratio is 13.37%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.37%
- Delinquency ratio (60+ days) (Q2 2026): 0.81%
- Return on assets (Q2 2026): 0.99%
- Loan-to-share ratio (Q2 2026): 59.92%
Freedom Credit Union (NCUA charter 60275, established 1934) reported $1.50B in assets and 60,172 members for Q2 2026 from Warminster, Pennsylvania. It ranks 11 of 269 credit unions in Pennsylvania by total assets. Total assets grew 4.4% from $1.44B on June 30, 2025. It has 5,668 fewer members than on June 30, 2025 (-8.6%). Its net worth ratio was up 0.43 percentage points from 12.94% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $446.7M of $776.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.81% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 13.24% for Q1 2026; 12.94% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.79% for Q1 2026; 0.78% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.94% for Q1 2026; 1.00% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 59.97% for Q1 2026; 61.92% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $446.7M
- Used vehicle loans: $157.0M
- New vehicle loans: $65.5M
- Unsecured credit card loans: $46.9M
- Other unsecured loans and lines of credit: $45.4M
- Commercial loans: $14.4M
- Other secured non-real estate loans and lines of credit: $813K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.50B | 13.37% | 0.81% | 0.99% | 59.92% |
| March 31, 2026 | $1.49B | 13.24% | 0.79% | 0.94% | 59.97% |
| December 31, 2025 | $1.46B | 13.22% | 0.84% | 1.00% | 61.68% |
| September 30, 2025 | $1.42B | 13.32% | 0.77% | 1.06% | 62.61% |
| June 30, 2025 | $1.44B | 12.94% | 0.78% | 1.00% | 61.92% |
| March 31, 2025 | $1.42B | 12.83% | 0.74% | 0.99% | 61.87% |
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Free to use. It shows Freedom Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 60275) · FFIEC NIC profile (RSSD 511793)
Frequently asked questions
Is Freedom Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Freedom Credit Union's net worth ratio is 13.37%, above the 7% NCUA threshold for well capitalized.
Is Freedom Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Freedom Credit Union is a federally insured credit union (NCUA charter 60275): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Freedom Credit Union's key safety ratios?
For Q2 2026, Freedom Credit Union reports net worth 13.37%, delinquency 0.81%, ROA 0.99%, loan-to-share 59.92%.
What happens to my money if Freedom Credit Union fails?
For Q2 2026, Freedom Credit Union held $1.30B in shares and deposits for 60,172 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.