BlastPoint's Credit Union Scorecard
LATVIAN
Charter #63891 · MN
LATVIAN has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.22% above tier average
- + Net Interest Margin 1.27% above tier average
- + Loan-to-Share Ratio: Top 2.9% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.28% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 7.7% in tier
- - Indirect Auto Concentration (%): Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
731
+2.4% YoY+1.0% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
21% |
| Assets |
$5.7M
+1.3% YoY-3.9% QoQ
|
$-24.1M |
$29.9M
+1.1% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
22% |
| Loans |
$5.2M
+8.8% YoY+7.0% QoQ
|
$-10.6M |
$15.8M
-2.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
35% |
| Deposits |
$5.1M
+0.6% YoY-4.9% QoQ
|
$-20.4M |
$25.5M
+0.4% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
24% |
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| ROA |
0.9%
+96.6% YoY+21.4% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
56% |
| NIM |
5.2%
+6.9% YoY+4.6% QoQ
|
+1.3% |
3.9%
+3.8% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
Top 10.7% in tier |
| Efficiency Ratio |
83.7%
-1.9% YoY-2.3% QoQ
|
+2.3% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
64% |
| Delinquency Rate |
0.2%
+64.3% YoY-36.1% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
25% |
| Loan To Share |
102.4%
+8.1% YoY+12.5% QoQ
|
+41.2% |
61.2%
-3.0% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Top 3.1% in tier |
| AMR |
$13,989
+2.2% YoY-0.2% QoQ
|
$-638 |
$14,627
-2.7% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
52% |
| CD Concentration |
39.3%
-0.2% YoY+1.2% QoQ
|
+14.9% |
24.4%
+4.2% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
9.6%
-28.5% YoY-4.8% QoQ
|
-4.4% |
14.0%
-5.7% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
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)