PackageTrendsPeer
Letter portraitLegal landscape

Latvian Credit Union

Edmonds, WA · Charter 68207

Q4 2007

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2007, the quarter ended December 31, 2007, on both parts.

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

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

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 Credit Union

Edmonds, WA · Charter 68207

Q4 2007

$1.4MAssets
$741KLoans
$1.2MShares
$208KNet 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 -0.89%, down 113 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.00% of loans (-204 bps YoY).
  • Capital: net worth / assets of 14.61%, up 42 bps from a year ago.
  • Funding: loans stand at 60.88% of shares as of Q4 2007.

Financial Results

Return on Assets (YTD, annualized)

-0.89%-113 bps YoY

Net Interest Margin (YTD, annualized)

3.11%-30 bps YoY

Efficiency Ratio (YTD, annualized)

127.76%+3,494 bps YoY

Net Worth / Assets

14.61%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets0.24%0.24%0.20%0.24%-0.89%-113 bps
Return on Equity1.68%1.65%1.38%1.63%-6.09%-777 bps
Net Interest Margin3.41%3.39%3.46%3.52%3.11%-30 bps
Efficiency Ratio92.82%93.29%94.36%93.39%127.76%+3,494 bps
Growth
Asset Growth (YoY)-12.28%-10.39%-9.75%-5.98%-8.36%+392 bps
Loan Growth (YoY)-11.12%-3.76%-8.70%-11.60%-12.12%-100 bps
Share Growth (YoY)-14.23%-12.33%-11.30%-7.34%-8.80%+543 bps
Asset Quality
Delinquent Loans / Loans2.04%2.42%1.55%0.00%0.00%-204 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.30%1.31%1.38%1.42%1.48%+18 bps
Capital
Risk-Based Capital14.19%14.29%14.51%14.72%14.61%+42 bps
Net Worth / Assets14.19%14.29%14.51%14.72%14.61%+42 bps
Liquidity & Funding
Loans / Shares63.17%63.46%60.68%60.12%60.88%-230 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps