Charter 11111 · Roanoke, VA
Freedom First Federal Credit Union
Freedom First Federal Credit Union is a federally chartered credit union in Roanoke, Virginia, with $1.26 billion in assets and 63,954 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.89%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $1.26 billion
- +7.3% in a year
- Members
- 63,954
- +2.2% in a year
- Net worth ratio
- 10.89%
- Peer median 10.79%
- Loans 60+ days late
- 0.48%
- Peer median 0.67%
- Loans outstanding
- $1.07 billion
- +8.0% in a year
- Shares and deposits
- $1.00 billion
- +3.5% in a year
- Branches
- 15
- 239 employees
- Opened
- 1956
- Federal charter
How Freedom First Federal Credit Union compares
NCUA groups credit unions by size; Freedom First Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 10.89% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.48%, is lower than the group median of 0.67%. Loans grew 8.0% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 13 of 95 credit unions headquartered in Virginia. See all Virginia credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $1.26 billion | 63,954 | $1.07 billion | 10.89% | 0.48% |
| Q1 2026 | $1.22 billion | 62,937 | $1.04 billion | 10.94% | 0.40% |
| Q4 2025 | $1.22 billion | 62,952 | $1.04 billion | 10.97% | 0.41% |
| Q3 2025 | $1.18 billion | 62,965 | $1.01 billion | 10.79% | 0.36% |
| Q2 2025 | $1.17 billion | 62,597 | $988 million | 10.79% | 0.38% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 894,538 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 15 sites for Freedom First Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Vinton
203 W Virginia Ave, Vinton, VA 24179 - Towers
2221 Colonial Ave Sw, Roanoke, VA 24015 - Salem
1235 Electric Rd, Salem, VA 24153 - South Main
1204 S Main St, Blacksburg, VA 24060 - Christiansburg
417 N Franklin St, Christiansburg, VA 24073 - Daleville Branch
1171 Roanoke Rd, Daleville, VA 24083 - West End
1210 Patterson Ave Sw, Roanoke, VA 24016 - Tanglewood
4203 Electric Rd, Roanoke, VA 24018 - Downtown
102 Campbell Ave Sw, Roanoke, VA 24011 - Crossroads 5002
5002 Cross Rd, Roanoke, VA 24012 - Prices Fork
2701 Prices Fork Rd, Blacksburg, VA 24060 - Operations - Downtown HQ (main office)
207 Bullitt Ave Se, Roanoke, VA 24013 - Bonsack Branch
3565 Orange Ave Ne, Roanoke, VA 24012 - Langhorne
2102 Langhorne Rd, Lynchburg, VA 24501 - Timberlake
7815 Timberlake Rd, Lynchburg, VA 24502
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology