LATVIAN
Charter #18422 | NY
<100M
(2596 CUs)
Micro
($0-$500M)
188 <100M in NY
LATVIAN has 4 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.09% below tier average
- - Total Members: Bottom 1.5% in tier
- - AMR Growth Rate: Bottom 3.5% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Deposit Growth Rate: Bottom 4.8% in tier
- - Asset Growth Rate: Bottom 5.3% in tier
- - Members Per Employee (MPE): Bottom 6.3% in tier
- - Total Loans: Bottom 6.4% in tier
- - Loan-to-Share Ratio: Bottom 7.0% in tier
- - Total Assets: Bottom 9.8% in tier
- - Total Deposits: Bottom 10.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
102
+3.0% YoY+2.0% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 1.3% in tier |
| Assets |
$2.0M
-10.1% YoY-2.8% QoQ
|
$-27.9M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.7% in tier |
| Loans |
$385,078
-13.1% YoY-5.7% QoQ
|
$-15.4M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.4% in tier |
| Deposits |
$1.5M
-12.5% YoY-3.5% QoQ
|
$-23.9M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.9% in tier |
| ROA |
0.6%
-119.4% YoY-47.6% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
41st in tier |
| NIM |
2.7%
-446.2% YoY-19.1% QoQ
|
-1.2% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 10.8% in tier |
| Efficiency Ratio |
78.2%
+17.9% QoQ
|
-3.2% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
50th in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
25.1%
-0.6% YoY-2.3% QoQ
|
-36.1% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 6.8% in tier |
| AMR |
$18,810
-15.2% YoY-5.8% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
74th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
316
Member Growth Rate
growth
Value:
3.03%
Peer Avg: 14.92%
#316 of 2596
Top 12.1% in <100M tier
385
Net Worth Ratio
risk
Value:
22.70%
Peer Avg: 16.43%
#385 of 2596
Top 14.8% in <100M tier
Top Weaknesses (13 metrics)
2559
Total Members
engagement
Value:
102
Peer Avg: 2,626
#2559 of 2596
Bottom 1.5% in <100M tier
2506
AMR Growth Rate
growth
Value:
-15.21%
Peer Avg: 4.67%
#2506 of 2596
Bottom 3.5% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: $182.96
#2495 of 2596
Bottom 3.9% in <100M tier
2472
Deposit Growth Rate
growth
Value:
-12.54%
Peer Avg: 16.80%
#2472 of 2596
Bottom 4.8% in <100M tier
2460
Asset Growth Rate
growth
Value:
-10.10%
Peer Avg: 1.82%
#2460 of 2596
Bottom 5.3% in <100M tier
2433
Members Per Employee (MPE)
engagement
Value:
102.000
Peer Avg: 365.701
#2433 of 2596
Bottom 6.3% in <100M tier
2430
Total Loans
balance_sheet
Value:
$385,078
Peer Avg: $15.77M
#2430 of 2596
Bottom 6.4% in <100M tier
2416
Loan-to-Share Ratio
balance_sheet
Value:
25.11%
Peer Avg: 61.23%
#2416 of 2596
Bottom 7.0% in <100M tier
2343
Total Assets
balance_sheet
Value:
$1.98M
Peer Avg: $29.86M
#2343 of 2596
Bottom 9.8% in <100M tier
2338
Total Deposits
balance_sheet
Value:
$1.53M
Peer Avg: $25.45M
#2338 of 2596
Bottom 10.0% in <100M tier