BlastPoint's Credit Union Scorecard
N. J. LATVIAN
Charter #20463 · NJ
N. J. LATVIAN has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 1.5% in tier
- + Loan Growth Rate: Top 2.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.67% below tier average
- - Efficiency ratio 53.34% above tier (higher cost structure)
- - Delinquency rate 0.15% above tier average
- - Member decline: -5.1% YoY
- - Share Certificate Concentration (%): Bottom 0.3% in tier
- - Net Interest Margin (NIM): Bottom 1.3% in tier
- - Loan-to-Share Ratio: Bottom 1.8% in tier
- - Asset Growth Rate: Bottom 1.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
130
-5.1% YoY-4.4% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
Bottom 2.2% in tier |
| Assets |
$4.9M
-14.6% YoY-12.7% QoQ
|
$-25.3M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
18% |
| Loans |
$366,155
+25.5% YoY+6.0% QoQ
|
$-14.9M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 6.0% in tier |
| Deposits |
$4.4M
-17.0% YoY-13.7% QoQ
|
$-21.4M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
20% |
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| ROA |
-0.5%
+331.8% YoY
|
-0.7% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 13.0% in tier |
| NIM |
1.1%
-12.3% YoY-8.6% QoQ
|
-2.9% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
Bottom 1.2% in tier |
| Efficiency Ratio |
144.0%
+31.6% YoY+43.5% QoQ
|
+53.3% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 3.2% in tier |
| Delinquency Rate | 1.7% | +0.2 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
77% |
| Loan To Share |
8.3%
+51.3% YoY+22.9% QoQ
|
-50.2% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 1.7% in tier |
| AMR |
$36,555
-10.2% YoY-8.4% QoQ
|
+$22K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
Top 1.5% in tier |
| CD Concentration |
78.1%
+11.0% YoY+8.8% QoQ
|
+53.8% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)