State credit union · Milwaukee, Wisconsin · NCUA charter #66686
Wisconsin Latvian, Inc.
Health score 73/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $3.1M
- Total assets
- 369
- Members
- 8.3%
- Net-worth ratio
Wisconsin Latvian, Inc. - Share Insurance Coverage
Charter #66686'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.
Wisconsin Latvian, Inc. - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)86
- Asset quality (delinquency)100
- Earnings (ROA)32
- Member growth47
- Liquidity (loan-to-share)70
Weighted composite: 73/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 8.33% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.33% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.01% | 15% |
| Member Growth | -1.07% | 15% |
| Loan-to-Share Ratio | 49.90% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $3.1M | 369 |
| 2024Q4 | $3.0M | 373 |
| 2023Q4 | $2.9M | 376 |
Credit Union Details
- Charter Number
- 66686
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Wisconsin
- City
- Milwaukee
- Data Quarter
- 2025Q4
What This Data Says About Wisconsin Latvian, Inc.
Charter #66686, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's Wisconsin Latvian, Inc., a state credit union in Milwaukee, Wisconsin with 369 members, $3.1M in total assets, and $1.4M in outstanding loans as of Q4 2025. The five-factor composite scores it 73/100 (Very Good), helped by a net worth ratio of 8.33% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 0.00% measures loans 60+ days past due against total loans outstanding - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. The loan-to-share ratio of 49.90% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.01% on net income of $239 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.07%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Wisconsin
Other federally-insured credit unions in Wisconsin, closest first by peer group and asset size.
- SUPERIOR MUNICIPAL EMPLOYEESSUPERIOR, WI · $2M–$10M79Health
- LCOHayward, WI · $2M–$10M94Health
- SCHOOL EMPLOYEESSuperior, WI · $2M–$10M94Health
- AIR TECHMILWAUKEE, WI · $2M–$10M82Health
- 1ST CLASS EXPRESSWAUKESHA, WI · $2M–$10M74Health
Compare Wisconsin Latvian, Inc. vs SUPERIOR MUNICIPAL EMPLOYEES
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Wisconsin Latvian, Inc. financially healthy?
A 8.33% net worth ratio and a 0.00% delinquency rate feed into Wisconsin Latvian, Inc.'s financial health score of 73/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Wisconsin Latvian, Inc. compare to other credit unions?
73/100 is Wisconsin Latvian, Inc.'s score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 Wisconsin Latvian, Inc.?
Membership eligibility for Wisconsin Latvian, Inc. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Wisconsin Latvian, Inc. directly for current membership requirements and application steps.
Is my money safe at Wisconsin Latvian, Inc.?
Federal credit unions like Wisconsin Latvian, Inc. 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. Wisconsin Latvian, Inc.'s net worth ratio of 8.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Wisconsin Latvian, Inc. offer compared to banks?
Credit unions like Wisconsin Latvian, Inc. 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 Wisconsin Latvian, Inc. directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.