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Latvian

Melville, NY · Charter 18422

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158 to 159). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

81

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

43

Q2 2024Q2 2026peer median (50)

Liquidity

16

Q2 2024Q2 2026peer median

Efficiency

64

Q1 2025Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Latvian

Melville, NY · Charter 18422

NCUA · 1 branch

Q2 2026

$1.8MAssets
$276KLoans
$1.4MShares
$458KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.55%, down 59 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 25.25%, up 305 bps from a year ago.
  • Funding: loans stand at 20.38% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.55%-59 bps YoY

Net Interest Margin (YTD, annualized)

2.82%-56 bps YoY

Efficiency Ratio (YTD, annualized)

80.41%+1,410 bps YoY

Net Worth / Assets

25.25%+305 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%0.60%0.58%1.88%0.55%-59 bps
Return on Equity5.13%2.63%2.52%7.91%2.19%-294 bps
Net Interest Margin3.38%2.74%3.09%3.77%2.82%-56 bps
Efficiency Ratio66.31%78.19%81.32%49.98%80.41%+1,410 bps
Growth
Asset Growth (YoY)-9.80%-10.10%-6.71%-5.71%-11.16%-135 bps
Loan Growth (YoY)-14.95%-13.05%-11.37%-13.68%-32.34%-1,739 bps
Share Growth (YoY)-11.68%-12.54%-9.16%-8.32%-14.64%-296 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital22.20%22.70%22.92%23.82%25.25%+305 bps
Net Worth / Assets22.20%22.70%22.92%23.82%25.25%+305 bps
Liquidity & Funding
Loans / Shares25.71%25.11%23.25%22.11%20.38%-533 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Latvian

Melville, NY · Charter 18422 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)

NCUA · 1 branch

Q2 2026

$1.8MAssets
$276KLoans
$1.4MShares
$458KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 18 of 158).
  • Widest gap: net interest margin trails 74% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 117 of 159).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

0.55%

Rank 68 of 159

Net Interest Margin

2.87%

Rank 117 of 159

Efficiency Ratio

80.77%

Rank 58 of 158

Equity / Assets

25.25%

Rank 30 of 159

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.55%0.00%0.40%1.00%Beats 57%68 / 159
Return on Equity2.18%0.04%2.43%6.24%Beats 47%84 / 159
Net Interest Margin2.87%2.79%3.84%4.44%Beats 26%117 / 159
Efficiency Ratio80.77%74.21%85.84%96.50%Beats 64%58 / 158
Asset Quality
Nonperforming Loans / Loans0.00%0.42%1.27%2.96%Beats 100%18 / 158
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio25.25%10.80%14.61%21.35%Beats 81%30 / 159
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets25.25%10.80%14.61%21.35%Beats 81%30 / 159
Liquidity & Funding
Loans / Deposits20.35%27.85%44.27%75.14%17th pctl132 / 159
Loans / Assets15.21%22.38%35.34%62.74%14th pctl136 / 159
Brokered Deposits / Depositsn/aNot reported for this institution