State credit union · Minneapolis, Minnesota · NCUA charter #63891
LATVIAN
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $5.8M
- Total assets
- 732
- Members
- 11.0%
- Net-worth ratio
LATVIAN scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.8M; members 732; net-worth ratio 11.03%; health rank #395 of 4,374; healthier than 90th of scored peers.
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LATVIAN vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); LATVIAN sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for LATVIAN
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +31.30 pp (94.90% vs 63.60%).
- Widest shortfall vs peers is Net Worth Ratio: -8.03 pp (11.03% vs 19.06%).
LATVIAN in Minnesota
- Health composite ranks #11 of 82 among scored Minnesota credit unions.
- By total assets, LATVIAN is #76 of 82 in Minnesota.
- Minnesota membership ordinal: #73 of 82.
- One place up in Minnesota, Red Lake Co Op (#10) ties at 95/100; one place down, Greater Community (#12) scores 94/100, 1 point lower.
LATVIAN: 2025Q4 → 2026Q1
LATVIAN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.1% from $5.8M (2025Q4) to $5.8M (2026Q1).
- Net-worth ratio shifted +0.18 pp (10.85% → 11.03%).
This credit union's 11.03% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
LATVIAN gives up 5 points in total. Loan-to-Share Ratio costs the most, 2.2 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.8 pts
- Member Growth 13.6 pts
- Loan-to-Share Ratio 12.6 pts
LATVIAN vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.03% | -8.03 pp |
| Delinquency Rate | 0.06% | -1.75 pp |
| Return on Assets | 0.42% | -0.03 pp |
| Member Growth | 3.83% | - |
| Loan-to-Share Ratio | 94.90% | +31.30 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
LATVIAN quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.8M | - |
| 2025Q4 | $5.8M | 732 |
| 2024Q4 | $5.7M | 705 |
| 2023Q4 | $5.5M | 719 |
Credit Union Details
- Charter Number
- 63891
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Minnesota
- City
- Minneapolis
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, LATVIAN runs one office.
| Office | City |
|---|---|
| LCU HQ (Main Office) | Minneapolis, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
More federally-insured credit unions based in Minnesota, ordered by peer group match and asset size.
Cross-state Call Report peers for LATVIAN
Similar health score
Using this data
- LATVIAN ranks #395 of 4,374 nationally on financial health and #11 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mower County Catholic Parishes is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mower County Catholic Parishes
Frequently Asked Questions
Is LATVIAN financially healthy?
On its 2025Q4 NCUA 5300 filing, LATVIAN scores 95/100 (Excellent), with a 11.03% net worth ratio and 0.06% of loans delinquent. It ranks #395 of 4,374 nationally on health and #11 of 82 in Minnesota.
How does LATVIAN compare to other credit unions?
LATVIAN scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (94.90% vs 63.60%). Its widest shortfall is net worth ratio (11.03% vs 19.06%).
How can I join LATVIAN?
Membership eligibility for LATVIAN depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact LATVIAN directly for current membership requirements and application steps.
Is my money safe at LATVIAN?
LATVIAN is a state-chartered 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 11.03% 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.