Federal credit union · Freehold, New Jersey · NCUA charter #20463
N. J. Latvian
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $5.7M
- Total assets
- 136
- Members
- 15.5%
- Net-worth ratio
N. J. Latvian scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.7M; members 136; net-worth ratio 15.52%; health rank #2,709 of 4,374; healthier than 36th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,709 of 4,374 health · 2025Q4N. J. Latvian · health 80/100 · $5.7M · 2025Q4
Call Report peers
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N. J. Latvian vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); N. J. Latvian sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
N. J. Latvian vs $2M–$10M peers
- Delinquency Rate leads the peer set - 0.00% here, 1.81% peer average (-1.81 pp).
- Loan-to-Share Ratio trails the peer set - 6.80% here, 63.60% peer average (-56.80 pp).
New Jersey standing for N. J. Latvian
- Health composite ranks #40 of 127 among scored New Jersey credit unions.
- New Jersey assets place: #102 of 127.
- Membership ranks #125 of 127 among New Jersey CUs with a reported count (136 members).
- One place up in New Jersey, Public Service Plaza (#39) ties at 80/100; one place down, Public Service (#41) ties at 80/100.
Quarter path for N. J. Latvian
N. J. Latvian: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -12.7% from $5.7M (2025Q4) to $4.9M (2026Q1).
- Net-worth ratio shifted +1.85 pp (13.67% → 15.52%).
At 15.52%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
N. J. Latvian gives up 20 points in total. Member Growth costs the most, 11.1 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 14.9 pts
- Member Growth 3.9 pts
- Loan-to-Share Ratio 6.2 pts
N. J. Latvian health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.52% | -3.54 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.50% | +0.04 pp |
| Member Growth | -2.86% | - |
| Loan-to-Share Ratio | 6.80% | -56.80 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
N. J. Latvian filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.9M | - |
| 2025Q4 | $5.7M | 136 |
| 2024Q4 | $5.8M | 140 |
| 2023Q4 | $6.1M | 148 |
Credit Union Details
- Charter Number
- 20463
- Type
- Federal
- Field of Membership
- Association/Group
- Peer Group
- $2M–$10M
- State
- New Jersey
- City
- Freehold
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, N. J. Latvian runs one office.
| Office | City |
|---|---|
| NJ Latvian FCU (Main Office) | Freehold, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
N. J. Latvian nationwide neighbourhoods
Similar health score
Using this data
- N. J. Latvian ranks #2,709 of 4,374 nationally on financial health and #40 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- West Hudson Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with West Hudson Teachers
Frequently Asked Questions
Is N. J. Latvian financially healthy?
On its 2025Q4 NCUA 5300 filing, N. J. Latvian scores 80/100 (Excellent), with a 15.52% net worth ratio and 0.00% of loans delinquent. It ranks #2,709 of 4,374 nationally on health and #40 of 127 in New Jersey.
How does N. J. Latvian compare to other credit unions?
N. J. Latvian scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.00% vs 1.81%). Its widest shortfall is loan-to-share ratio (6.80% vs 63.60%).
How can I join N. J. Latvian?
N. J. Latvian serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact N. J. Latvian directly for the current list of qualifying groups.
Is my money safe at N. J. Latvian?
N. J. 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. N. J. Latvian's net worth ratio of 15.52% 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.