BlastPoint's Credit Union Scorecard
WISCONSIN LATVIAN, INC.
Charter #66686 · WI
WISCONSIN LATVIAN, INC. has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.45% below tier average
- - Efficiency ratio 9.52% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 1.8% in tier
- - Net Interest Margin (NIM): Bottom 6.1% in tier
- - Fee Income Per Member: Bottom 8.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 49 that size in Wisconsin.
- Shares and deposits +0.7% year over year ($2.8M in shares and deposits).
- Membership: 369 members, -1.3% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.04%.
- Efficiency ratio 98.28% vs a 88.77% peer average.
- Loan-to-share ratio 49.25% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
369
-1.3% YoY+0.3% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
Bottom 10.1% in tier |
| Assets |
$3.2M
+0.3% YoY+3.4% QoQ
|
$-27.1M |
$30.3M
+1.5% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 13.1% in tier |
| Loans |
$1.4M
-0.9% YoY-0.9% QoQ
|
$-14.1M |
$15.5M
-1.7% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 14.1% in tier |
| Deposits |
$2.8M
+0.7% YoY+3.8% QoQ
|
$-23.0M |
$25.8M
+1.1% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 14.9% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.0%
-90.6% YoY-32.7% QoQ
|
-1.5% |
1.5%
+241.5% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 2.9% in tier |
| NIM |
2.4%
+0.7% YoY-2.4% QoQ
|
-1.5% |
3.9%
+0.9% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
Bottom 6.1% in tier |
| Efficiency Ratio |
98.3%
+19.8% YoY+0.8% QoQ
|
+9.5% |
88.8%
-6.9% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
85% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
49.2%
-1.6% YoY-4.6% QoQ
|
-9.6% |
58.9%
-3.1% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
35% |
| AMR |
$11,516
+1.5% YoY+1.9% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
36% |
| CD Concentration |
56.6%
-0.3% YoY-1.9% QoQ
|
+32.1% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 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)