State credit union · LAKEWOOD, Ohio · NCUA charter #62822
Latvian Cleveland
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $30.2M
- Total assets
- 932
- Members
- 19.1%
- Net-worth ratio
Latvian Cleveland scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $30.2M; members 932; net-worth ratio 19.14%; health rank #1,388 of 4,374; healthier than 65th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,388 of 4,374 health · 2025Q4Latvian Cleveland · health 88/100 · $30.2M · 2025Q4
- BOOK 88/100
- CHARTER 19.1%
- NCUSIF 0.00%
- CAMELS 0.44%
- HEALTH $30.2M
- NW 932
- DELQ #1,388/4,374
- ROA Deer River Cooperative
- ASSETS 62822
Call Report peers
Latvian Cleveland in the assets neighbourhood
Latvian Cleveland's $30.2M assets sit next to Deer River Cooperative ($30.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Latvian Cleveland 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
88 Top 35% higher than 65% 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 Cleveland - Share Insurance Coverage
Charter #62822's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Latvian Cleveland: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 72.08% here, 59.80% peer average (+12.28 pp).
- Largest lag: Return on Assets at 0.44% vs peer 0.70% (-0.27 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Latvian Cleveland: in-state Call Report ranks
- Ohio health ordinal: #63 of 196.
- Ohio assets place: #133 of 196.
- Ohio membership ordinal: #169 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Latvian Cleveland's 5300 filing moved
Latvian Cleveland: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.7% from $30.2M (2025Q4) to $29.7M (2026Q1).
- Net-worth ratio shifted +0.44 pp (18.70% → 19.14%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 19.14% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.0 pts
- Member Growth 3.8 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.14% | +4.28 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 0.44% | -0.27 pp |
| Member Growth | -2.92% | - |
| Loan-to-Share Ratio | 72.08% | +12.28 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Latvian Cleveland filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $29.7M | - |
| 2025Q4 | $30.2M | 932 |
| 2024Q4 | $30.0M | 960 |
| 2023Q4 | $30.4M | 994 |
Credit Union Details
- Charter Number
- 62822
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- LAKEWOOD
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Latvian Cleveland runs one office.
| Office | City |
|---|---|
| Latvian Cleveland Credit Union (Main Office) | Lakewood, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Cross-state Call Report peers for Latvian Cleveland
Latvian Cleveland's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($30.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Latvian Cleveland ranks #1,388 of 4,374 nationally on financial health and #63 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Port Conneaut is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Port Conneaut
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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 Cleveland financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Latvian Cleveland carries a financial health score of 88/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,388 of 4,374; by total assets it ranks #2,844 of 4,374 nationally (same basis as /rankings/largest); and #133 of 196 within Ohio. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 19.14% net worth ratio and a 0.00% delinquency rate.
How does Latvian Cleveland compare to other credit unions?
88/100 is Latvian Cleveland's score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Cleveland?
Membership eligibility for Latvian Cleveland depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Latvian Cleveland directly for current membership requirements and application steps.
Is my money safe at Latvian Cleveland?
Federal credit unions like Latvian Cleveland 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 Cleveland's net worth ratio of 19.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Latvian Cleveland offer compared to banks?
Credit unions like Latvian Cleveland 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 Cleveland 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.