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
Call Report peers
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LATVIAN vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); LATVIAN sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in New York, Paul Quinn (#165) ties at 78/100; one place down, New York Episcopal (#167) ties at 78/100.
LATVIAN: 2025Q4 → 2026Q1
LATVIAN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.3% from $2.0M (2025Q4) to $2.0M (2026Q1).
- Net-worth ratio shifted +0.90 pp (22.92% → 23.82%).
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
LATVIAN gives up 22 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Member Growth score full marks.
- 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is LATVIAN financially healthy?
LATVIAN has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,926 of 4,374 nationally on health and #166 of 272 in New York. Its net worth ratio is 23.82% and its delinquency rate 0.00%.
How does LATVIAN compare to other credit unions?
LATVIAN scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is delinquency rate (0.00% vs 4.48%). Its widest shortfall is loan-to-share ratio (23.25% vs 52.70%).
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?
LATVIAN is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.