Credit Union Safety Analysis
Is Latvian Credit Union Safe? Minneapolis, Minnesota
Based on its Q2 2026 NCUA 5300 call report, Latvian Credit Union has a net worth ratio of 11.01%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.85%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Latvian Credit Union's net worth ratio is 11.01%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.01%
- Delinquency ratio (60+ days) (Q2 2026): 0.85%
- Return on assets (Q2 2026): 0.50%
- Loan-to-share ratio (Q2 2026): 89.12%
Latvian Credit Union (NCUA charter 63891, established 1965) reported $5.8M in assets and 733 members for Q2 2026 from Minneapolis, Minnesota. It ranks 73 of 79 credit unions in Minnesota by total assets. Total assets fell 1.9% from $5.9M on June 30, 2025. It has 9 more members than on June 30, 2025 (+1.2%). Its net worth ratio was up 0.60 percentage points from 10.41% on June 30, 2025. Used vehicle loans are its largest loan category, $2.5M of $4.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.85% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 11.03% for Q1 2026; 10.41% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.80% for Q1 2026; 0.26% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.24% for Q1 2026; 0.76% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 93.75% for Q1 2026; 91.09% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $2.5M
- 1- to 4-family residential and other consumer real estate loans: $1.1M
- New vehicle loans: $542K
- Other secured non-real estate loans and lines of credit: $374K
- Other unsecured loans and lines of credit: $84K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $5.8M | 11.01% | 0.85% | 0.50% | 89.12% |
| March 31, 2026 | $5.8M | 11.03% | 0.80% | 0.24% | 93.75% |
| December 31, 2025 | $5.8M | 10.85% | 0.06% | -0.33% | 94.90% |
| September 30, 2025 | $5.7M | 11.13% | 0.16% | 1.20% | 102.44% |
| June 30, 2025 | $5.9M | 10.41% | 0.26% | 0.76% | 91.09% |
| March 31, 2025 | $6.0M | 10.15% | 0.69% | 0.72% | 90.55% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 63891) · FFIEC NIC profile (RSSD 848097)
Frequently asked questions
Is Latvian Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Latvian Credit Union's net worth ratio is 11.01%, above the 7% NCUA threshold for well capitalized.
Is Latvian Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Latvian Credit Union is a federally insured credit union (NCUA charter 63891): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Latvian Credit Union's key safety ratios?
For Q2 2026, Latvian Credit Union reports net worth 11.01%, delinquency 0.85%, ROA 0.50%, loan-to-share 89.12%.
What happens to my money if Latvian Credit Union fails?
For Q2 2026, Latvian Credit Union held $5.2M in shares and deposits for 733 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.