Federal credit union · MELVILLE, New York · NCUA charter #18422
LATVIAN
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $2.0M
- Total assets
- 100
- Members
- 23.8%
- Net-worth ratio
LATVIAN scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.0M; members 100; net-worth ratio 23.82%; health rank #2,926 of 4,374; healthier than 31st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,926 of 4,374 health · 2025Q4LATVIAN · health 78/100 · $2.0M · 2025Q4
- CHARTER 78/100
- NCUSIF 23.8%
- CAMELS 0.00%
- HEALTH -3.09%
- NW $2.0M
- DELQ 100
- ROA #2,926/4,374
- ASSETS n/a
- MEM 18422
Call Report peers
LATVIAN carries $2.0M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
LATVIAN vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
LATVIAN - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #18422. See our deposit-insurance coverage note.
LATVIAN vs Under $2M peers
- Strongest edge vs 243 Under $2M peers is Delinquency Rate: -4.48 pp (0.00% vs 4.48%).
- Largest lag: Loan-to-Share Ratio at 23.25% vs peer 52.70% (-29.45 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York standing for LATVIAN
- Health composite ranks #166 of 272 among scored New York credit unions.
- By total assets, LATVIAN is #244 of 272 in New York.
- Membership ranks #268 of 272 among New York CUs with a reported count (100 members).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
LATVIAN: 2025Q4 → 2026Q1
LATVIAN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.3% from $2.0M (2025Q4) to $2.0M (2026Q1).
- Net-worth ratio shifted +0.90 pp (22.92% → 23.82%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
23.82% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 8.0 pts
Call Report ratios for LATVIAN
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.82% | +0.89 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | -3.09% | -3.31 pp |
| Member Growth | 8.70% | - |
| Loan-to-Share Ratio | 23.25% | -29.45 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
LATVIAN filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.0M | - |
| 2025Q4 | $2.0M | 100 |
| 2024Q4 | $2.1M | 92 |
| 2023Q4 | $2.3M | 114 |
Credit Union Details
- Charter Number
- 18422
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- New York
- City
- MELVILLE
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for LATVIAN.
| Office | City |
|---|---|
| riga lane (Main Office) | Melville, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
LATVIAN nationwide neighbourhoods
Two NCUA Call Report peer sets for LATVIAN, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- LATVIAN ranks #2,926 of 4,374 nationally on financial health and #166 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Sloan Public Schools is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Sloan Public Schools
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is LATVIAN financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, LATVIAN carries a financial health score of 78/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,926 of 4,374; by total assets it ranks #4,133 of 4,374 nationally (same basis as /rankings/largest); and #244 of 272 within New York. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 23.82% net worth ratio and a 0.00% delinquency rate.
How does LATVIAN compare to other credit unions?
78/100 is LATVIAN's score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join LATVIAN?
LATVIAN operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact LATVIAN directly for the exact boundaries and application steps.
Is my money safe at LATVIAN?
Federal credit unions like LATVIAN are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. LATVIAN's net worth ratio of 23.82% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does LATVIAN offer compared to banks?
Credit unions like LATVIAN are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact LATVIAN directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.