PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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