PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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