BlastPoint's Credit Union Scorecard
N. J. LATVIAN
Charter #20463 · NJ
2556 CUs in <100M nationally
98 in NJ
N. J. LATVIAN has 6 strengths but faces 10 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
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 1.2% in tier
- + Loan Growth Rate: Top 6.1% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.62% below tier average
- - Efficiency ratio 17.74% above tier (higher cost structure)
- - Member decline: -2.9% YoY
- - Share Certificate Concentration (%): Bottom 0.5% in tier
- - Net Interest Margin (NIM): Bottom 1.4% in tier
- - Loan-to-Share Ratio: Bottom 1.4% in tier
- - Total Members: Bottom 2.6% in tier
- - Fee Income Per Member: Bottom 3.3% in tier
- - Members Per Employee (MPE): Bottom 4.5% in tier
- - Total Loans: Bottom 5.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
136
-2.9% YoY0% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Bottom 2.5% in tier |
| Assets |
$5.7M
-2.0% YoY-0.0% QoQ
|
$-24.5M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$345,522
+14.8% YoY+10.1% QoQ
|
$-15.4M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 5.6% in tier |
| Deposits |
$5.1M
-4.3% YoY-0.4% QoQ
|
$-20.6M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
24% |
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| ROA |
-0.0%
-100.8% YoY-104.6% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
16% |
| NIM |
1.2%
-29.5% YoY-4.3% QoQ
|
-2.7% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 1.4% in tier |
| Efficiency Ratio |
100.3%
+37.2% YoY+6.9% QoQ
|
+17.7% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Top 10.9% in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
6.8%
+20.0% YoY+10.6% QoQ
|
-53.8% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.3% in tier |
| AMR |
$39,928
-0.5% YoY+0.2% QoQ
|
+$25K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Top 1.2% in tier |
| CD Concentration |
71.8%
+1.5% YoY+0.5% QoQ
|
+47.3% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 50% |
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 Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
31
Average Member Relationship (AMR)
engagement
Value:
$39,928
Peer Median: -
#31 of 2556
Top 1.2% in <100M tier
156
Loan Growth Rate
growth
Value:
14.80%
Peer Median: -
#156 of 2556
Top 6.1% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
Top Weaknesses (13 metrics)
2544
Share Certificate Concentration (%)
balance_sheet
Value:
71.77%
Peer Median: -
#2544 of 2556
Bottom 0.5% in <100M tier
2520
Net Interest Margin (NIM)
profitability
Value:
1.24%
Peer Median: -
#2520 of 2556
Bottom 1.4% in <100M tier
2520
Loan-to-Share Ratio
balance_sheet
Value:
6.80%
Peer Median: -
#2520 of 2556
Bottom 1.4% in <100M tier
2490
Total Members
engagement
Value:
136
Peer Median: -
#2490 of 2556
Bottom 2.6% in <100M tier
2473
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier
2441
Members Per Employee (MPE)
engagement
Value:
68.000
Peer Median: -
#2441 of 2556
Bottom 4.5% in <100M tier
2414
Total Loans
balance_sheet
Value:
$345,522
Peer Median: -
#2414 of 2556
Bottom 5.6% in <100M tier
2278
Efficiency Ratio
profitability
Value:
100.29%
Peer Median: -
#2278 of 2556
Bottom 10.9% in <100M tier
2153
Return on Assets (ROA)
profitability
Value:
-0.00%
Peer Median: -
#2153 of 2556
Bottom 15.8% in <100M tier
2092
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,541
Peer Median: -
#2092 of 2556
Bottom 18.2% in <100M tier