BlastPoint's Credit Union Scorecard
LATVIAN CLEVELAND
Charter #62822 · OH
LATVIAN CLEVELAND has 5 strengths but faces 5 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
- + Average Member Relationship (AMR): Top 0.7% in tier
- + Loan-to-Member Ratio (LMR): Top 0.7% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.15% below tier average
- - Member decline: -2.9% YoY
- - First Mortgage Concentration (%): Bottom 0.7% in tier
- - Net Interest Margin (NIM): Bottom 4.7% in tier
- - Share Certificate Concentration (%): Bottom 7.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
932
-2.9% YoY-0.5% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
27% |
| Assets |
$30.2M
+0.7% YoY+0.8% QoQ
|
+$76K |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
60% |
| Loans |
$17.7M
-6.9% YoY-2.7% QoQ
|
+$1.9M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
66% |
| Deposits |
$24.5M
+0.3% YoY+1.1% QoQ
|
$-1.2M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
58% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
+8.0% YoY-13.7% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
38% |
| NIM |
2.1%
-0.6% YoY-1.3% QoQ
|
-1.8% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.7% in tier |
| Efficiency Ratio |
78.4%
-1.7% YoY+4.1% QoQ
|
-4.2% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
47% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
72.1%
-7.2% YoY-3.8% QoQ
|
+11.5% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
67% |
| AMR |
$45,232
+0.1% YoY+0.0% QoQ
|
+$30K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
Top 0.7% in tier |
| CD Concentration |
40.4%
+8.6% YoY-1.3% QoQ
|
+16.0% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 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)