BlastPoint's Credit Union Scorecard
LATVIAN
Charter #63891 · MN
LATVIAN has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.09% above tier average
- + Net Interest Margin 0.97% above tier average
- + Loan-to-Share Ratio: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.01% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 6.2% in tier
- - Indirect Auto Concentration (%): Bottom 8.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
735
+3.5% YoY+0.4% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
22,507
-13.7% YoY
|
33,913
+5.7% YoY
|
21% |
| Assets |
$5.8M
-3.8% YoY-1.1% QoQ
|
$-24.4M |
$30.2M
+1.3% YoY
|
$434.0M
-15.1% YoY
|
$578.3M
+9.0% YoY
|
22% |
| Loans |
$4.8M
-1.3% YoY-2.6% QoQ
|
$-10.5M |
$15.3M
-2.0% YoY
|
$293.6M
-17.5% YoY
|
$402.4M
+8.7% YoY
|
33% |
| Deposits |
$5.1M
-4.7% YoY-1.4% QoQ
|
$-20.7M |
$25.8M
+0.7% YoY
|
$364.1M
-13.5% YoY
|
$494.3M
+9.1% YoY
|
23% |
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| ROA |
0.2%
-67.5% YoY-59.8% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
0.2%
-92.6% YoY
|
0.4%
-39.2% YoY
|
32% |
| NIM |
5.0%
-3.1% YoY-4.9% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.7%
+5.4% YoY
|
3.8%
+4.1% YoY
|
Top 12.1% in tier |
| Efficiency Ratio |
93.6%
+12.9% YoY+5.0% QoQ
|
+3.0% |
90.6%
+6.5% YoY
|
102.0%
+29.5% YoY
|
84.6%
+2.8% YoY
|
75% |
| Delinquency Rate |
0.8%
+16.7% YoY+1175.6% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
0.8%
-5.2% YoY
|
1.2%
+3.4% YoY
|
57% |
| Loan To Share |
93.8%
+3.5% YoY-1.2% QoQ
|
+35.2% |
58.5%
-3.0% YoY
|
73.2%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Top 5.8% in tier |
| AMR |
$13,439
-6.4% YoY-2.4% QoQ
|
$-1K |
$14,884
-1.7% YoY
|
$24,012
+4.3% YoY
|
$19,920
+1.6% YoY
|
47% |
| CD Concentration |
42.3%
+10.8% YoY+11.2% QoQ
|
+18.0% | 24.3% | 22.6% | 19.8% | 50% |
| Indirect Auto % |
10.5%
-4.9% YoY+8.2% QoQ
|
-3.3% | 13.8% | 6.4% | 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)