TellerScore

Freedom Credit Union (NCUA charter #66824) is based in Springfield, Massachusetts. Its Q2 2026 call report shows $764.0M in total assets and $611.6M in member shares and deposits and 7 offices.

Based on its Q2 2026 filing, Freedom Credit Union scores 66/100, which we describe as moderate. That is higher than only 37% of 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 78th. Its strongest component is capital cushion (93/100; 14.26%), and its lowest is loan quality (40/100; 1.81%).

TellerScore · Q2 2026

Scorecard

Capital cushion93/100
Net worth ratio: 14.26%
Loan quality40/100
Loans 60+ days delinquent ÷ total loans: 1.81%
Earnings43/100
Return on assets (annualized): 0.57%
Funding & liquidity76/100
Loans ÷ shares: 84.6% · 10.1% uninsured
Problem-loan coverage83/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.61%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 10 points (56 → 66), mostly because the loan quality component improved by 20 points.

TellerScore
566268Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202462
Q4 202462
Q1 202562
Q2 202556
Q3 202556
Q4 202563
Q1 202662
Q2 202666
Net worth ratio
7.00%10.63%14.26%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.39%
Q3 202413.65%
Q4 202413.76%
Q1 202513.78%
Q2 202513.82%
Q3 202513.86%
Q4 202514.20%
Q1 202614.22%
Q2 202614.26%
Delinquent loans (60+ days)
0.74%1.65%2.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.74%
Q3 20241.65%
Q4 20241.79%
Q1 20251.92%
Q2 20252.39%
Q3 20252.56%
Q4 20252.26%
Q1 20262.08%
Q2 20261.81%
Return on assets
0.19%0.48%0.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.19%
Q3 20240.37%
Q4 20240.42%
Q1 20250.51%
Q2 20250.29%
Q3 20250.49%
Q4 20250.77%
Q1 20260.50%
Q2 20260.57%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$764.0M14.26%1.81%0.57%84.6%
Q1 202662$757.4M14.22%2.08%0.50%86.5%
Q4 202563$751.8M14.20%2.26%0.77%88.4%
Q3 202556$748.8M13.86%2.56%0.49%90.2%
Q2 202556$738.4M13.82%2.39%0.29%92.0%
Q1 202562$739.7M13.78%1.92%0.51%92.4%
Q4 202462$734.1M13.76%1.79%0.42%95.8%
Q3 202462$735.7M13.65%1.65%0.37%97.1%
Q2 202468$740.1M13.39%0.74%0.19%97.0%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.26%
80th
Problem loans1.81%
8th
Net charge-offs0.05%
92nd
Return on assets0.57%
36th
Loans to deposits84.6%
29th
Uninsured deposits10.1%
17th
Loan-loss reserves0.00%
50th
Texas ratio8.6%
18th

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Polish National Credit UnionCredit union Chicopee, MA76 out of 100, Strong$776.9M13.6%0.17%vs
Gfa Federal Credit UnionCredit union Gardner, MA55 out of 100, Moderate$747.3M9.2%0.75%vs
Direct Federal Credit UnionCredit union Needham, MA64 out of 100, Moderate$794.7M11.4%0.36%vs
Mass. Institute of Tech. Federal Credit UnionCredit union Lexington, MA56 out of 100, Moderate$730.8M9.9%1.09%vs
Quincy Credit UnionCredit union Quincy, MA80 out of 100, Strong$729.4M14.6%0.75%vs
First Citizens' Federal Credit UnionCredit union Fairhaven, MA83 out of 100, Strong$705.9M20.2%0.77%vs

Deposit insurance

Is my money safe at Freedom Credit Union?

Yes. Freedom Credit Union is a federally insured credit union (NCUA charter #66824). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 10.1% of shares and deposits ($61.8M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.26%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Freedom Credit Union lists 7 offices in 6 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Freedom Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66824
RSSD ID
427193
Primary regulator
State + NCUA
Established
1986
Headquarters
Po Box 3009, Springfield, MA 01101
Employees
123

Quick answers

Freedom Credit Union: common questions

Is Freedom Credit Union NCUA insured?

Yes. Freedom Credit Union is a federally insured credit union (NCUA charter #66824). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Freedom Credit Union's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Freedom Credit Union have?

7 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Springfield

InstitutionScoreAssetsCapitalProblem loansCompare
Stafford Savings BankBank Stafford Springs, CT95 out of 100, Very strong$507.0M50.6%0.56%vs
Greater Springfield Credit UnionCredit union Springfield, MA94 out of 100, Very strong$230.3M19.7%0.45%vs
MassMutual Private Wealth & Trust, FSBBank Springfield, MA93 out of 100, Very strong$93.7M32.2%0.00%vs
The Torrington Savings BankBank Torrington, CT82 out of 100, Strong$1.0B19.0%0.14%vs
Kief Protective Mutual Benefit Ass. Credit UnionCredit union Bloomfield, CT80 out of 100, Strong$605K22.2%0.00%vs
Liberty BankBank Middletown, CT79 out of 100, Strong$9.4B13.4%0.32%vs