BlastPoint's Credit Union Scorecard
LATVIAN CLEVELAND
Charter #62822 · OH
LATVIAN CLEVELAND has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan-to-Member Ratio (LMR): Top 0.7% in tier
- + Average Member Relationship (AMR): Top 0.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.11% below tier average
- - Member decline: -3.2% YoY
- - First Mortgage Concentration (%): Bottom 0.6% in tier
- - Net Interest Margin (NIM): Bottom 4.0% in tier
- - Share Certificate Concentration (%): Bottom 6.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in Ohio.
- Shares and deposits -8.3% year over year ($22.3M in shares and deposits).
- Membership: 917 members, -3.2% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.39%.
- Efficiency ratio 81.70% vs a 88.77% peer average.
- Loan-to-share ratio 74.86% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
917
-3.2% YoY-0.4% QoQ
|
-1.7K |
2,585
-1.7% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
26% |
| Assets |
$28.1M
-6.4% YoY-5.4% QoQ
|
$-2.2M |
$30.3M
+1.5% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
57% |
| Loans |
$16.7M
-8.9% YoY-1.6% QoQ
|
+$1.2M |
$15.5M
-1.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
65% |
| Deposits |
$22.3M
-8.3% YoY-6.9% QoQ
|
$-3.5M |
$25.8M
+1.1% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
55% |
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| ROA |
0.4%
-26.8% YoY-18.5% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
24% |
| NIM |
2.1%
-3.8% YoY+2.3% QoQ
|
-1.8% |
3.9%
+0.9% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
Bottom 3.9% in tier |
| Efficiency Ratio |
81.7%
+6.5% YoY+3.4% QoQ
|
-7.1% |
88.8%
-6.9% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
53% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
74.9%
-0.7% YoY+5.6% QoQ
|
+16.0% |
58.9%
-3.1% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
74% |
| AMR |
$42,508
-5.6% YoY-4.3% QoQ
|
+$28K |
$14,963
-6.8% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
Top 0.9% in tier |
| CD Concentration |
41.8%
+4.9% YoY+4.0% QoQ
|
+17.2% | 24.6% | 19.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.9% | 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)