Credit Union Safety Analysis
Is Freedom First Federal Credit Union Safe? Roanoke, Virginia
Based on its Q2 2026 NCUA 5300 call report, Freedom First Federal Credit Union has a net worth ratio of 10.89%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.48%, 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 First Federal Credit Union's net worth ratio is 10.89%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.89%
- Delinquency ratio (60+ days) (Q2 2026): 0.48%
- Return on assets (Q2 2026): 0.56%
- Loan-to-share ratio (Q2 2026): 106.46%
Freedom First Federal Credit Union (NCUA charter 11111, established 1956) reported $1.26B in assets and 63,954 members for Q2 2026 from Roanoke, Virginia. It ranks 14 of 94 credit unions in Virginia by total assets. Total assets grew 7.3% from $1.17B on June 30, 2025. It has 1,357 more members than on June 30, 2025 (+2.2%). Its net worth ratio was up 0.10 percentage points from 10.79% on June 30, 2025. Commercial loans are its largest loan category, $568.0M of $1.07B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.48% is below 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: 10.94% for Q1 2026; 10.79% 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: 0.40% for Q1 2026; 0.38% 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: 0.56% for Q1 2026; 0.54% 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: 104.04% for Q1 2026; 102.02% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $568.0M
- 1- to 4-family residential and other consumer real estate loans: $299.3M
- Used vehicle loans: $133.8M
- New vehicle loans: $40.7M
- Unsecured credit card loans: $14.7M
- Other unsecured loans and lines of credit: $9.4M
- Other secured non-real estate loans and lines of credit: $751K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.26B | 10.89% | 0.48% | 0.56% | 106.46% |
| March 31, 2026 | $1.22B | 10.94% | 0.40% | 0.56% | 104.04% |
| December 31, 2025 | $1.22B | 10.97% | 0.41% | 0.82% | 102.72% |
| September 30, 2025 | $1.18B | 10.79% | 0.36% | 0.54% | 102.44% |
| June 30, 2025 | $1.17B | 10.79% | 0.38% | 0.54% | 102.02% |
| March 31, 2025 | $1.16B | 10.00% | 0.32% | 0.68% | 98.57% |
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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.
Freedom First Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 11111) · FFIEC NIC profile (RSSD 596286)
Frequently asked questions
Is Freedom First Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Freedom First Federal Credit Union's net worth ratio is 10.89%, above the 7% NCUA threshold for well capitalized.
Is Freedom First Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Freedom First Federal Credit Union is a federally insured credit union (NCUA charter 11111): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Freedom First Federal Credit Union's key safety ratios?
For Q2 2026, Freedom First Federal Credit Union reports net worth 10.89%, delinquency 0.48%, ROA 0.56%, loan-to-share 106.46%.
What happens to my money if Freedom First Federal Credit Union fails?
For Q2 2026, Freedom First Federal Credit Union held $1.00B in shares and deposits for 63,954 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.