FREEDOM
State-Chartered • Springfield, Massachusetts • Est. 1986
Quick Facts
- Charter Number
- #66824
- Type
- State-Chartered
- Established
- 1986
- Headquarters
- Springfield, Massachusetts 01103-1010
- Address
- 1976 MAIN ST
- Branches
- 10
- ATMs
- 9
- Members
- 31,707
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 6% and a delinquency rate below 3%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
31,707 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FREEDOM |
|---|---|
| Total Assets | $757.4M |
| Members | 31,707 |
| Loans Outstanding | $524.4M |
| Shares & Deposits | $606.3M |
| Net Worth | $107.7M |
| Net Worth Ratio | 14.22% |
| Loan-to-Share Ratio | 86.5% |
| Delinquency Rate | 2.08% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
10 locations · 9 ATMs
SPRINGFIELD-MAIN OFFICE
Main Office1976 MAIN ST
Springfield, MA 01103-1010
NORTHAMPTON
226 KING ST
Northampton, MA 01060
CHICOPEE
1976 MEMORIAL DR
Chicopee, MA 01020
GREENFIELD
74 MAIN ST
Greenfield, MA 01301
FEEDING HILLS
959 SPRINGFIELD ST
Feeding Hills, MA 01030
Who Can Join FREEDOM?
Membership Type: Community
Membership eligibility for FREEDOM may vary. Contact the credit union directly to confirm qualification requirements.
Contact FREEDOM directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Massachusetts
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Massachusetts RankingsFrequently Asked Questions
FREEDOM is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, FREEDOM has 31,707 members and a potential membership field of 1,234,877 people.
FREEDOM's reported net worth ratio is 14.22% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
FREEDOM operates 10 branch locations and has access to 9 ATMs. The main office is located at 1976 MAIN ST, Springfield, MA 01103-1010.
FREEDOM was established in 1986. It is a state-chartered credit union chartered under charter number 66824. The institution has been serving members for 40 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or FREEDOM. All financial data is for informational purposes only.