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Latvian Cleveland

Lakewood, OH · Charter 62822

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 Cleveland, OH 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 Cleveland, OH area (n=39). 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

79

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

25

Q2 2024Q2 2026peer median (50)

Liquidity

19

Q2 2024Q2 2026peer median

Efficiency

51

Q2 2024Q2 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 2026-10-10

Latvian Cleveland

Lakewood, OH · Charter 62822

NCUA · 1 branch

Q2 2026

$28.1MAssets
$16.7MLoans
$22.3MShares
$5.7MNet 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 0.40%, down 13 bps year over year; NIM at 2.13%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 20.31%, up 169 bps from a year ago.
  • Funding: loans stand at 74.86% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.40%-13 bps YoY

Net Interest Margin (YTD, annualized)

2.13%-3 bps YoY

Efficiency Ratio (YTD, annualized)

81.70%+502 bps YoY

Net Worth / Assets

20.31%+169 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.55%0.47%0.48%0.40%-13 bps
Return on Equity2.84%2.92%2.52%2.48%1.96%-88 bps
Net Interest Margin2.16%2.15%2.11%2.02%2.13%-3 bps
Efficiency Ratio76.67%75.32%78.41%79.01%81.70%+502 bps
Growth
Asset Growth (YoY)-1.82%-0.35%0.71%-1.43%-6.35%-453 bps
Loan Growth (YoY)-6.16%-3.25%-6.91%-8.52%-8.91%-275 bps
Share Growth (YoY)-2.87%-1.06%0.30%-2.31%-8.29%-542 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 Capital18.63%18.80%18.70%19.14%20.31%+169 bps
Net Worth / Assets18.63%18.80%18.70%19.14%20.31%+169 bps
Liquidity & Funding
Loans / Shares75.37%74.90%72.08%70.86%74.86%-51 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 2026-10-10

Latvian Cleveland

Lakewood, OH · Charter 62822 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)

NCUA · 1 branch

Q2 2026

$28.1MAssets
$16.7MLoans
$22.3MShares
$5.7MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Cleveland, OH area (rank 5 of 39).
  • Widest gap: net interest margin trails 97% of credit unions under $1B in assets in the Cleveland, OH area (rank 38 of 39).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.40%

Rank 24 of 39

Net Interest Margin

2.13%

Rank 38 of 39

Efficiency Ratio

81.64%

Rank 20 of 39

Equity / Assets

20.31%

Rank 8 of 39

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.40%0.13%0.49%0.87%Beats 38%24 / 39
Return on Equity1.96%1.01%4.09%7.61%Beats 33%26 / 39
Net Interest Margin2.13%3.28%3.83%4.18%Beats 3%38 / 39
Efficiency Ratio81.64%76.45%81.64%91.75%Beats 51%20 / 39
Asset Quality
Nonperforming Loans / Loans0.00%0.15%0.61%1.88%Beats 100%5 / 39
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio20.31%10.00%12.89%19.36%Beats 79%8 / 39
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets20.31%10.00%12.89%19.36%Beats 79%8 / 39
Liquidity & Funding
Loans / Deposits74.86%45.46%53.28%74.29%77th pctl9 / 39
Loans / Assets59.38%36.24%44.98%63.66%69th pctl12 / 39
Brokered Deposits / Depositsn/aNot reported for this institution