Credit Union Safety Analysis
Is Wisconsin Latvian Credit Union, Incorporated Safe? Milwaukee, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Wisconsin Latvian Credit Union, Incorporated has a net worth ratio of 9.77%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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, Wisconsin Latvian Credit Union, Incorporated's net worth ratio is 9.77%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.77%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 0.02%
- Loan-to-share ratio (Q2 2026): 49.25%
Wisconsin Latvian Credit Union, Incorporated (NCUA charter 66686, established 1961) reported $3.2M in assets and 369 members for Q2 2026 from Milwaukee, Wisconsin. It ranks 90 of 98 credit unions in Wisconsin by total assets. Total assets grew 0.3% from $3.1M on June 30, 2025. It has 5 fewer members than on June 30, 2025 (-1.3%). Its net worth ratio was down 0.20 percentage points from 9.97% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $953K of $1.4M in total loans on its June 30, 2026 filing.
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: 10.10% for Q1 2026; 9.97% 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%.
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: 0.06% for Q1 2026; 0.41% 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: 51.61% for Q1 2026; 50.04% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $953K
- New vehicle loans: $363K
- Used vehicle loans: $49K
- Other unsecured loans and lines of credit: $38K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $3.2M | 9.77% | — | 0.02% | 49.25% |
| March 31, 2026 | $3.1M | 10.10% | — | 0.06% | 51.61% |
| December 31, 2025 | $3.1M | 9.99% | — | -1.30% | 49.90% |
| September 30, 2025 | $3.1M | 10.27% | — | 0.51% | 49.54% |
| June 30, 2025 | $3.1M | 9.97% | — | 0.41% | 50.04% |
| March 31, 2025 | $3.2M | 9.78% | — | 0.48% | 53.85% |
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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.
Wisconsin Latvian Credit Union, Incorporated profile
Regulator records: NCUA credit union profile (charter 66686) · FFIEC NIC profile (RSSD 20398)
Frequently asked questions
Is Wisconsin Latvian Credit Union, Incorporated well capitalized?
On its Q2 2026 NCUA 5300 call report, Wisconsin Latvian Credit Union, Incorporated's net worth ratio is 9.77%, above the 7% NCUA threshold for well capitalized.
Is Wisconsin Latvian Credit Union, Incorporated FDIC insured?
No. The FDIC insures banks, not credit unions. Wisconsin Latvian Credit Union, Incorporated is a federally insured credit union (NCUA charter 66686): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Wisconsin Latvian Credit Union, Incorporated's key safety ratios?
For Q2 2026, Wisconsin Latvian Credit Union, Incorporated reports net worth 9.77%, delinquency not reported, ROA 0.02%, loan-to-share 49.25%.
What happens to my money if Wisconsin Latvian Credit Union, Incorporated fails?
For Q2 2026, Wisconsin Latvian Credit Union, Incorporated held $2.8M in shares and deposits for 369 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.