# FREEDOM
ROCKY MOUNT, NC · NCUA charter 8232 · asset band $50-100M · latest filing 2016-06 · stopped filing after 2016-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/freedom-8232

Who the members are: federal charter, multiple common bond, organized 1952, low-income designated. 8,338 members of 172,750 potential (4.8% of the field); checking penetration 23% (share draft accounts per 100 members); loans per 100 members 68.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $53.0M |
| Members | 8,338 (– YoY) |
| Full-time staff | 20 |
| Net worth | $4.4M |
| Net worth ratio | 8.3% (p17 of band) |
| ROA (annualized) | -1.52% (p1 of band) |
| Total delinquency | 0.46% (p32 of band) |
| Net charge-offs (annualized) | 0.57% (p74 of band) |
| Loans / shares | 79% (p76 of band) |
| Cash / assets | 5.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.25% (p66 of band) |
| Operating expense / assets | 5.60% (p95 of band) |
| Vehicles % of loans | 70% (p93 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 29% |
| Third-party paper % of net worth | 178% (p88 of band) |
| Vehicle delinquency | 0.28% (p28 of band) |
| Vehicle NCO | 0.41% (p58 of band) |
| Repossessed % of vehicle book | 0.09% (p79 of band) |
| Real estate % of loans | 8% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 21% |
| Average share balance | $3,694 |
| Participations bought / yr | $46,672 |
| Participations sold / yr | $18,000 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 68% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $6,725 |
| Loans granted, annualized | $15.0M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 5 | losing money, expense trap |  |

## 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
- 2026-09-09 [‘Not the Full Story’: Kid Rock Releases Statement on Controversial $5K Tickets to His Tour - TicketNews](https://news.google.com/rss/articles/CBMihgFBVV95cUxNZVlYMWhrZUl3SG5RR2h3MXFnNjRfRWthYk1FQkExTzBlUVJXaDExT2pPMW1RSFZhQ2VLMm92QmRlMEh3LV9pNWxyaTU4LUNGeU1NUWM4RTBlSUZ5X1BBTVVpcVNhdy1Ib2RsRU52OU8xd19kLV9kU2pvd0FhMlJ6UkxRQUREZw?oc=5) · TicketNews
- 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
- 2026-03-30 [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 2026 The Freedom World Tour: ‘We Have Survived. Now We Get To Be Free’ - Billboard](https://news.google.com/rss/articles/CBMimwFBVV95cUxQdUJEQy13ZTRvSHQwSVpValF1MnRGUFYzdjYweHU4aGk4WTBZeVRBbUgtaFlPSk5DSndicFRlOVN5cGtGcFVkTFVWN1ZreV96ZUlXdWwxVWJ3U1ZMRVVOTDNlSzVhNWhQTjN4Vk54ZjV1QnVCOE9XTXNZZFVQSFRXeDdxejVhYzlYMlVvalpKMkZ1N3Q5NGN3Q21LYw?oc=5) · Billboard
- 2026-03-23 [Kesha Announces 2026 ‘Freedom Tour’: See the Dates - That Grape Juice.net](https://news.google.com/rss/articles/CBMiekFVX3lxTE5fSmlva3BsTW0xcGlzbGtjTmwxUmthN0dQSVV1UUg3WDg3SWdmWHkyNmJLaXNlcXQ4cG1vUmtBTU9rRjY5X1kwOFZOTEJ3QTVLa01USTV3RDZKRV9yTktuZmhieTZkdVRRaTVNNVFIM2JUcWI4S1JkR1p30gF_QVVfeXFMTUdlUkZDQ2FPM1JNSlBHb1U3ZjBVS0dKRVRMQUhXVkxTUW5zNGdGWi1KVGtKRVNPZFhkS3ZhTURIbVZ5ejc0XzNyVzhKSHRwQlU3NzdMM2wtS1FlNGloWG5XZFh3YjJIV2dDU0FraWZZRVQxVjZqcnd6Q3VoRG9hNA?oc=5) · That Grape Juice.net
- 2026-03-26 [Kesha Announces 2026 The Freedom Tour - rttnews.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE1BSkp3Wk1tVG9BV0tpSy1VRzFUUGdSNG80N2tqN2ZtekJSRlVuUTdMZDFIaFQ4ZW90bWRXeEo3ZExiZmxJTUIzN2FTZjdDSGR1cEZhd2ZkZGIxVjNVQ2d6clBubHRtc1MtMmVTdWtxRGNNRXRHYkJld3RkU3EwbXM?oc=5) · rttnews.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8232 (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/40.json (key "8232", 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=8232
- 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