FREEDOM
State-Chartered • SPRINGFIELD, Massachusetts • Est. 1986
Quick Facts
- Charter Number
- #66824
- Type
- State-Chartered
- Established
- 1986
- Headquarters
- SPRINGFIELD, Massachusetts 01101-3009
- Address
- PO BOX 3009
- Branches
- 10
- ATMs
- 9
- Members
- 31,606
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Adequate financial health. Meets NCUA capital requirements with some metrics worth watching over time.
Financial Overview
Total Assets
Members
31,606 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FREEDOM |
|---|---|
| Total Assets | $751.8M |
| Members | 31,606 |
| Loans Outstanding | $526.4M |
| Shares & Deposits | $595.6M |
| Net Worth | $106.8M |
| Net Worth Ratio | 14.20% |
| Loan-to-Share Ratio | 88.4% |
| Delinquency Rate | 2.26% |
| Net Income | +$5,998,056 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View Massachusetts RankingsFrequently Asked Questions
Yes. FREEDOM is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, FREEDOM has 31,606 members and a potential membership field of 1,234,877 people.
FREEDOM's net worth ratio is 14.20% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 14.2%, FREEDOM meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or FREEDOM. All financial data is for informational purposes only.