# FREEDOM
Provo, UT · NCUA charter 67129 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/freedom-67129

Who the members are: state charter, organized 1956. 4,437 members of 606,425 potential (0.7% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $69.7M |
| Members | 4,437 (15.3% YoY) |
| Full-time staff | 10 |
| Net worth | $8.0M |
| Net worth ratio | 11.5% (p35 of band) |
| ROA (annualized) | 1.00% (p66 of band) |
| Total delinquency | 0.27% (p26 of band) |
| Net charge-offs (annualized) | 0.00% (p18 of band) |
| Loans / shares | 81% (p85 of band) |
| Cash / assets | 7.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.41% (p35 of band) |
| Operating expense / assets | 2.96% (p29 of band) |
| Vehicles % of loans | 39% (p43 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 30% |
| Third-party paper % of net worth | 72% (p80 of band) |
| Vehicle delinquency | 0.61% (p52 of band) |
| Vehicle NCO | 0.04% (p38 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 54% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 2% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 31% |
| Average share balance | $6,769 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 107% |
| Average loan balance | $20,801 |
| Loans granted, annualized | $25.4M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | loans>95% of shares |  |
| 2019-03 | 1 |  | loans>95% of shares |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | net worth falling, margin squeeze |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 |  | 3rd-party paper>100% NW |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 | delinquency rising | margin squeeze |
| 2021-09 | 1 |  | delinquency rising |
| 2021-12 | 2 | delinquency rising |  |
| 2022-03 | 1 |  | delinquency rising |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | delinquency rising |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 | members leaving | assets shrinking |
| 2024-06 | 2 | repo signal | members leaving |
| 2024-09 | 1 |  | repo signal |
| 2024-12 | 2 | members leaving |  |
| 2025-03 | 3 | net worth falling, charge-offs p90 | members leaving |
| 2025-06 | 2 | members leaving | net worth falling, charge-offs p90 |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 0 |  | members leaving |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [Kesha Announces 2026 North American ‘Freedom Tour’ - TicketNews](https://news.google.com/rss/articles/CBMijAFBVV95cUxQbEtucnIxXzFoRFRfNTNHSGpEbTBmdmxhT09BNTl4My1aWGNoYUZUdHQ2dWtjQ0U2NUkxUnJRZGZPdDBxUTdRUWo4dkVvWUVrMFluRnYzVEFFTEhOdVRXMlprX2p3b0VlTHA5VFV1eV9ZOXloVlNiNl9tR1NNTm1ldmUxUktpTDRUaVdSUg?oc=5) · TicketNews
- 2026-07-23 [Utah's birthday brings savings! 3 reasons you should buy your next vehicle this weekend - KSL.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxNSUhPR2l4QXE5UW9lNVRBZHVRbDhxQ3o1RWJQbzQyWU9IcHoxRTQ2djFON3RYRFlqMHNFNnFDNEl0VEJRbDdXVkhSVzl4T25HQmczbUt3aF9fRUcyNDRLcTFZbmZOeVI0OURBZlZPaXJpaFBUY1UwQ0tmUFQ3cXROX3pwYVY4RzBNQ1lEZHhrYUNMSWJPYzdGWlJLcUVFSlI1MEZvYjMwRHpFY1JoNkxLTzR5TmJndEMtUno0LTFCWVJsTFRnTFFxakpGOFA?oc=5) · KSL.com
- 2026-06-15 [What to Know for Evanescence: 2026 World Tour Setlist - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBuTTN6MkU3Z0oxU0tnRnpPVlJBR3JaTXd5UEpUbDdTWjhmeTdaNUV6UkFUSVhMYXU2N2J2R21nb2NHemZoMUdTUTZNbGtiQ1FCTVpLdFRuMVJERXpwaW1j?oc=5) · Ticketmaster Blog
- 2026-03-24 [Kesha Announces The Freedom Tour A Global Celebration Of Survival, Liberation, And Radical Joy - Live Nation Newsroom](https://news.google.com/rss/articles/CBMiygFBVV95cUxOOGxmdFBlMTFVM0pQZzNkaExPNm9kSEViYzRuZWpVdjdqallqV2REOWpYRnhFOGJVam9Bb2ExdW90Xy1SM3hTTURUTXF4dEI4SV9fU2lwMkphWFBvejAyeUtHSWc1MVpoQ0tDTG9XbmtrWEpGdDV2ZjU1MmM0WHR3M2FmbG0yY1lTTG9TaVBmcVhhNDhROURFZGczUDJmUDdQaWdkY1lPaThEeUVqQktfWEowT1lGbkNjNnBtcWVXeDM3Z3FzVC14UURR?oc=5) · Live Nation Newsroom
- 2026-03-23 [Kesha to Embark on the Freedom Tour - Pitchfork](https://news.google.com/rss/articles/CBMicEFVX3lxTFB0S0VGVnE4SUdhY2diTXJ6WjdtN0plYk1iNTU2c0RPUGZKMTBYUDBUVmthaFg4ZkJBWDhsQXh4UFpMenl1RXRzS0lObVZJTDVUMzh6OC1aU2FKTjE5R1ZKcm5fR2xCQmgzQVdXN3F1Z1I?oc=5) · Pitchfork
- 2026-03-30 [Kesha is hitting the road again with The Freedom Tour - MELODIC Magazine](https://news.google.com/rss/articles/CBMingFBVV95cUxPYjV4Q05RVmhwNGhhTHBiU0ptdHI5b25oY3V4RWhkUDkwSkYxVUJVdWJPTXZJQnpyaEFmRE9vN1ZIblQxalYxMTZoMFhzWTBEcXM1X1laSDhPMmpiU0pyS2Y1ZFl5TlJ5b2RSNnAyajdGbGx4b0djNWhrdGlQS1pzNW0yVWpRX0Z3NnIxeTB2N3BUVzU1Mmo3clNnTGpZdw?oc=5) · MELODIC Magazine
- 2026-03-23 [Kesha Announces "The Freedom Tour" With Chromeo, Sizzy Rocket, MEEK, And Erika Jayne This Summer - That Eric Alper](https://news.google.com/rss/articles/CBMizgFBVV95cUxPSzF6ekpnU3JIYUR2UTk0TjR1NzE3Vk5TQXJOdTk1T3dEVHE2Si0wa1M1R2Q1WHl3WnhUZmQ5SDlTbm1obmgxZERpenpfa3Y0T1MxVDVqLVpxLUs5MndmNGRCTWpycHl6YmtNc0Zvckg1bmxBUGREYTEwNHlQMlUzd2tNVTBYU3dQYjBOTElxbVhUTy1SYzJEVlFkdnFlTUNmOVdwUkZKTGd2WjBjeEVYZXBwU2NlOTdBSl9WdThqaFYwUWgwQlFGbkcxdVJGZw?oc=5) · That Eric Alper
- 2026-02-17 [BREAKING BENJAMIN announce North American tour with CHEVELLE - Revolver Magazine](https://news.google.com/rss/articles/CBMinAFBVV95cUxOR251SlI0Y2k5Vk02bWVsTEJTNzlYSzlKN2JSV1F6WTg0eXJzVU5pcERERTlmTjh2d2tOcmFJSFRoaVZZaGdBdnVWT1NCYlNyYnRzWTh2ajNWcTdUbUswSzdwcUs0UjhzMlV6NzYtVkUtWGZCNXB0RUMxRi1ycERJaGx4c1B3T3ZtbnZzVE9zNlVPNXR0U0M4V21XelI?oc=5) · Revolver Magazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67129 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/57.json (key "67129", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=67129
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide