BlastPoint's Credit Union Scorecard
WISCONSIN LATVIAN, INC.
Charter #66686 · WI
WISCONSIN LATVIAN, INC. has 3 strengths but faces 4 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 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.59% below tier average
- - Efficiency ratio 16.12% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 1.5% in tier
- - Net Interest Margin (NIM): Bottom 6.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
369
-1.1% YoY-0.8% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
Bottom 10.1% in tier |
| Assets |
$3.1M
+1.5% YoY-0.5% QoQ
|
$-27.1M |
$30.1M
+2.1% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 13.3% in tier |
| Loans |
$1.4M
-9.2% YoY+0.8% QoQ
|
$-14.4M |
$15.8M
-1.3% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.8% in tier |
| Deposits |
$2.8M
+1.8% YoY+0.0% QoQ
|
$-22.9M |
$25.7M
+1.4% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.7% in tier |
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| ROA |
0.0%
+316.3% YoY-93.2% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
18% |
| NIM |
2.4%
-7.3% YoY-1.5% QoQ
|
-1.6% |
4.0%
+4.0% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 6.6% in tier |
| Efficiency Ratio |
98.7%
-1.0% YoY+22.2% QoQ
|
+16.1% |
82.6%
-2.3% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
Top 12.6% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
49.9%
-10.8% YoY+0.7% QoQ
|
-10.7% |
60.6%
-3.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
33% |
| AMR |
$11,266
-1.1% YoY+1.1% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
35% |
| CD Concentration |
59.1%
+12.0% YoY+1.5% QoQ
|
+34.6% | 24.4% | 21.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 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)