BlastPoint's Credit Union Scorecard
LATVIAN
Charter #63891 · MN
LATVIAN has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.28% above tier average
- + Loan-to-Share Ratio: Top 6.5% in tier
- + Member Growth Rate: Top 8.1% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.02% below tier average
- - Efficiency ratio 6.62% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 9.0% in tier
- - Indirect Auto Concentration (%): Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
732
+3.8% YoY+0.1% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
21% |
| Assets |
$5.8M
+2.0% YoY+1.8% QoQ
|
$-24.3M |
$30.1M
+2.1% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$4.9M
+3.7% YoY-5.2% QoQ
|
$-10.9M |
$15.8M
-1.3% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
34% |
| Deposits |
$5.2M
+2.0% YoY+2.3% QoQ
|
$-20.5M |
$25.7M
+1.4% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
24% |
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| ROA |
0.6%
+39.1% YoY-33.4% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
45% |
| NIM |
5.2%
+6.5% YoY+0.6% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
Top 10.0% in tier |
| Efficiency Ratio |
89.2%
-1.3% YoY+6.6% QoQ
|
+6.6% |
82.6%
-2.3% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
73% |
| Delinquency Rate |
0.1%
-30.4% YoY-61.8% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
17% |
| Loan To Share |
94.9%
+1.7% YoY-7.4% QoQ
|
+34.3% |
60.6%
-3.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
Top 6.7% in tier |
| AMR |
$13,763
-1.0% YoY-1.6% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
50% |
| CD Concentration |
38.0%
-3.2% YoY-3.1% QoQ
|
+13.6% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % |
9.7%
-20.9% YoY+1.3% QoQ
|
-4.1% | 13.8% | 6.5% | 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)