LATVIAN CLEVELAND
Charter #62822 · LAKEWOOD, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 921 sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 2.01% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.99% sits at the 80th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 60th percentile but its structural peers at the 25th — a 36-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | LATVIAN CLEVELAND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $29.71M | 60th pct | 25th pct |
| Members | 921 | 4th pct | 7th pct |
| Net worth ratio | 19.14% | 81th pct | 74th pct |
| Return on average assets | 0.47% | 40th pct | 38th pct |
| Net interest margin | 2.01% | 2th pct | 3th pct |
| Cost of funds | 1.99% | 90th pct | 80th pct |
| Loan-to-share | 70.86% | 71th pct | 38th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 23th pct | 26th pct |
| Loan growth YoY | -6.55% | 20th pct | 5th pct |
| Share growth YoY | -1.22% | 17th pct | 23th pct |
| Efficiency ratio | 79.01% | 47th pct | 41th pct |
structural peer set hash: 9831d3958f48e17c0ddbc70d75fcc086… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.