BlastPoint's Credit Union Scorecard
N. J. LATVIAN
Charter #20463 · NJ
2596 CUs in <100M nationally
101 in NJ
N. J. LATVIAN has 4 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 1.1% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.60% below tier average
- - Efficiency ratio 12.45% above tier (higher cost structure)
- - Member decline: -4.9% YoY
- - Share Certificate Concentration (%): Bottom 0.5% in tier
- - Net Interest Margin (NIM): Bottom 1.2% in tier
- - Loan-to-Share Ratio: Bottom 1.3% in tier
- - Total Members: Bottom 2.5% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Members Per Employee (MPE): Bottom 4.5% in tier
- - Total Loans: Bottom 5.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
136
-4.9% YoY0% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 2.5% in tier |
| Assets |
$5.7M
-5.9% YoY+0.4% QoQ
|
$-24.2M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
22% |
| Loans |
$313,766
+6.9% YoY-0.0% QoQ
|
$-15.5M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 5.4% in tier |
| Deposits |
$5.1M
-6.9% YoY-0.1% QoQ
|
$-20.3M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
24% |
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| ROA |
0.1%
-85.6% YoY-51.5% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
19% |
| NIM |
1.3%
-27.9% YoY-1.6% QoQ
|
-2.6% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 1.2% in tier |
| Efficiency Ratio |
93.8%
+35.3% YoY+7.3% QoQ
|
+12.4% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
82% |
| Delinquency Rate |
0.0%
-99.8% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 12.7% in tier |
| Loan To Share |
6.1%
+14.8% YoY+0.1% QoQ
|
-55.1% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.1% in tier |
| AMR |
$39,842
-1.4% YoY-0.1% QoQ
|
+$25K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
Top 1.2% in tier |
| CD Concentration |
71.4%
+1.8% YoY-0.4% QoQ
|
+47.0% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
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
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
30
Average Member Relationship (AMR)
engagement
Value:
$39,842
Peer Avg: -
#30 of 2596
Top 1.1% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
331
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#331 of 2596
Top 12.7% in <100M tier
421
Loan Growth Rate
growth
Value:
6.91%
Peer Avg: -
#421 of 2596
Top 16.2% in <100M tier
Top Weaknesses (15 metrics)
2583
Share Certificate Concentration (%)
balance_sheet
Value:
71.41%
Peer Avg: -
#2583 of 2596
Bottom 0.5% in <100M tier
2566
Net Interest Margin (NIM)
profitability
Value:
1.30%
Peer Avg: -
#2566 of 2596
Bottom 1.2% in <100M tier
2564
Loan-to-Share Ratio
balance_sheet
Value:
6.15%
Peer Avg: -
#2564 of 2596
Bottom 1.3% in <100M tier
2531
Total Members
engagement
Value:
136
Peer Avg: -
#2531 of 2596
Bottom 2.5% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2481
Members Per Employee (MPE)
engagement
Value:
68.000
Peer Avg: -
#2481 of 2596
Bottom 4.5% in <100M tier
2457
Total Loans
balance_sheet
Value:
$313,766
Peer Avg: -
#2457 of 2596
Bottom 5.4% in <100M tier
2289
Asset Growth Rate
growth
Value:
-5.89%
Peer Avg: -
#2289 of 2596
Bottom 11.9% in <100M tier
2278
Deposit Growth Rate
growth
Value:
-6.89%
Peer Avg: -
#2278 of 2596
Bottom 12.3% in <100M tier
2173
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,307
Peer Avg: -
#2173 of 2596
Bottom 16.3% in <100M tier