| Metric | Latvian Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.8% | +1.3% | -5.1 pts |
| Share growth (YoY) | -4.7% | +0.7% | -5.3 pts |
| Loan growth (YoY) | -1.3% | -2.4% | +1.0 pts |
| ROA | 0.24% | 0.60% | -0.4 pts |
| ROE | 2.2% | 4.1% | -1.9 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.8M | $5.1M | $4.8M | $634K | $3K | 0.24% | 4.97% | 0.80% | 735 |
| Q4 2025 | $5.8M | $5.2M | $4.9M | $631K | $34K | 0.59% | 5.19% | 0.06% | 732 |
| Q3 2025 | $5.7M | $5.1M | $5.2M | $636K | $39K | 0.92% | 5.31% | 0.16% | 731 |
| Q2 2025 | $5.9M | $5.3M | $4.8M | $618K | $22K | 0.74% | 4.99% | 0.26% | 724 |
| Q1 2025 | $6.0M | $5.3M | $4.8M | $607K | $11K | 0.72% | 5.01% | 0.69% | 710 |
| Q4 2024 | $5.7M | $5.1M | $4.7M | $596K | $24K | 0.43% | 4.89% | 0.09% | 705 |
| Q3 2024 | $5.6M | $5.0M | $4.8M | $591K | $19K | 0.46% | 4.90% | 0.10% | 714 |
| Q2 2024 | $5.7M | $5.1M | $4.9M | $578K | $6K | 0.19% | 4.66% | 0.67% | 713 |
Loan mix (Q1 2026): real estate $1.2M · commercial $0 · consumer $3.2M · securities $715K
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Latvian Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 0.60% | 32nd | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 4.1% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.97% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.6% | 81.5% | 76th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Latvian Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Latvian Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Latvian Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Latvian Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Latvian Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Hennepin, MN, ranked 82nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hennepin, MN | 1 | $5.3M* | 0.00% | 82nd |
Minnesota: 364th with 0.00% · Minneapolis-St. Paul-Bloomington metro: 167th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1