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 0.08% below tier average
- - Efficiency ratio 6.86% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 1.9% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
- - Net Interest Margin (NIM): Bottom 7.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
368
-1.3% YoY-0.3% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
39,491
+5.5% YoY
|
33,913
+5.7% YoY
|
Bottom 10.0% in tier |
| Assets |
$3.1M
-3.9% YoY-0.9% QoQ
|
$-27.1M |
$30.2M
+1.3% YoY
|
$762.9M
+12.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 13.0% in tier |
| Loans |
$1.4M
-8.0% YoY+2.3% QoQ
|
$-13.9M |
$15.3M
-2.0% YoY
|
$579.7M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
Bottom 14.2% in tier |
| Deposits |
$2.7M
-4.0% YoY-1.1% QoQ
|
$-23.0M |
$25.8M
+0.7% YoY
|
$643.6M
+11.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 14.3% in tier |
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| ROA |
0.1%
-87.4% YoY
|
-0.1% |
0.1%
-77.6% YoY
|
0.3%
+1.8% YoY
|
0.4%
-39.2% YoY
|
24% |
| NIM |
2.5%
+0.7% YoY+5.0% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
3.4%
+8.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 7.6% in tier |
| Efficiency Ratio |
97.5%
+21.0% YoY-1.2% QoQ
|
+6.9% |
90.6%
+6.5% YoY
|
77.2%
-0.5% YoY
|
84.6%
+2.8% YoY
|
82% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
0.7%
-8.9% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
51.6%
-4.2% YoY+3.4% QoQ
|
-6.9% |
58.5%
-3.0% YoY
|
78.6%
-0.5% YoY
|
65.6%
-1.4% YoY
|
39% |
| AMR |
$11,299
-4.1% YoY+0.3% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$24,071
+7.1% YoY
|
$19,920
+1.6% YoY
|
35% |
| CD Concentration |
57.8%
+5.5% YoY-2.2% QoQ
|
+33.5% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 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)