LATVIAN
Charter #63891 · Minneapolis, MN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.14% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.72% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 93.64% sits at the 80th percentile of structural peers — worth a closer look.
- On Loan growth YoY, the asset-size band puts this credit union at the 37th percentile but its structural peers at the 7th — a 31-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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.75M | 68th pct | 39th pct |
| Members | 735 | 65th pct | 36th pct |
| Net worth ratio | 11.03% | 18th pct | 33th pct |
| Return on average assets | 0.24% | 43th pct | 43th pct |
| Net interest margin | 4.95% | 76th pct | 49th pct |
| Cost of funds | 0.14% | 24th pct | 8th pct |
| Loan-to-share | 93.75% | 90th pct | 85th pct |
| Delinquency 60+ days | 0.80% | 50th pct | 49th pct |
| Net charge-off ratio | 0.72% | 84th pct | 75th pct |
| Loan growth YoY | -7.63% | 37th pct | 7th pct |
| Share growth YoY | 0.93% | 56th pct | 41th pct |
| Efficiency ratio | 93.64% | 62th pct | 80th pct |
structural peer set hash: ff7e41e3ae4f1a098dfa23b0348ad60e… (reproducible)
Closest structural peers
This is the free public view
Claim LATVIAN
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.