WISCONSIN LATVIAN, INC.
Charter #66686 | WI
<100M
(2596 CUs)
Micro
($0-$500M)
53 <100M in WI
WISCONSIN LATVIAN, INC. has 3 strengths but faces 3 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
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.21% below tier average
- - Share Certificate Concentration (%): Bottom 1.6% in tier
- - Net Interest Margin (NIM): Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
372
0% YoY-0.5% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
Bottom 10.3% in tier |
| Assets |
$3.1M
-1.0% YoY-1.7% QoQ
|
$-26.8M |
$29.9M
+1.1% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 13.2% in tier |
| Loans |
$1.4M
-13.7% YoY-3.0% QoQ
|
$-14.4M |
$15.8M
-2.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.9% in tier |
| Deposits |
$2.8M
-0.8% YoY-2.0% QoQ
|
$-22.7M |
$25.5M
+0.4% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
Bottom 14.8% in tier |
| ROA |
0.5%
-15.8% YoY+5.5% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
35th in tier |
| NIM |
2.4%
-8.7% YoY-0.3% QoQ
|
-1.5% |
3.9%
+3.8% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 6.4% in tier |
| Efficiency Ratio |
80.8%
+2.4% YoY-1.5% QoQ
|
-0.6% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
56th in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
49.5%
-13.0% YoY-1.0% QoQ
|
-11.7% |
61.2%
-3.0% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
32nd in tier |
| AMR |
$11,143
-5.5% YoY-1.8% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
35th in tier |
| CD Concentration |
58.2%
+13.6% YoY+2.4% QoQ
|
+33.8% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (3 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (12 metrics)
2556
Share Certificate Concentration (%)
balance_sheet
Value:
58.18%
Peer Avg: 15.37%
#2556 of 2596
Bottom 1.6% in <100M tier
2429
Net Interest Margin (NIM)
profitability
Value:
2.40%
Peer Avg: 3.93%
#2429 of 2596
Bottom 6.5% in <100M tier
2326
Total Members
engagement
Value:
372
Peer Avg: 2,626
#2326 of 2596
Bottom 10.4% in <100M tier
2255
Loan Growth Rate
growth
Value:
-13.69%
Peer Avg: 59.01%
#2255 of 2596
Bottom 13.2% in <100M tier
2254
Total Assets
balance_sheet
Value:
$3.10M
Peer Avg: $29.86M
#2254 of 2596
Bottom 13.2% in <100M tier
2248
Fee Income Per Member
profitability
Value:
$4.30
Peer Avg: $182.96
#2248 of 2596
Bottom 13.4% in <100M tier
2240
First Mortgage Concentration (%)
balance_sheet
Value:
38.34%
Peer Avg: 14.49%
#2240 of 2596
Bottom 13.8% in <100M tier
2235
Total Loans
balance_sheet
Value:
$1.37M
Peer Avg: $15.77M
#2235 of 2596
Bottom 13.9% in <100M tier
2232
Members Per Employee (MPE)
engagement
Value:
186.000
Peer Avg: 365.701
#2232 of 2596
Bottom 14.1% in <100M tier
2211
Total Deposits
balance_sheet
Value:
$2.77M
Peer Avg: $25.45M
#2211 of 2596
Bottom 14.9% in <100M tier