# GOLDMARK
Attleboro, MA · NCUA charter 11400 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/goldmark-11400

Who the members are: federal charter, community charter, organized 1956. 2,929 members of 7,500 potential (39.0% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 13.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $49.3M |
| Members | 2,929 (-1.8% YoY) |
| Full-time staff | 5 |
| Net worth | $5.3M |
| Net worth ratio | 10.8% (p21 of band) |
| ROA (annualized) | 0.52% (p47 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 43% (p29 of band) |
| Cash / assets | 54.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.42% (p8 of band) |
| Operating expense / assets | 2.35% (p17 of band) |
| Vehicles % of loans | 7% (p7 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 83% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 33% |
| Average share balance | $7,205 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 13% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $48,615 |
| Loans granted, annualized | $2.0M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 | delinquency rising | losing money |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 | assets shrinking | delinquency rising |
| 2018-09 | 2 | members leaving |  |
| 2018-12 | 1 | delinquency rising | assets shrinking, members leaving |
| 2019-03 | 1 | net worth falling | delinquency rising |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | net worth falling, margin squeeze |  |
| 2020-06 | 1 |  | margin squeeze |
| 2020-09 | 1 | delinquency rising | net worth falling |
| 2020-12 | 0 |  | delinquency rising |
| 2021-03 | 2 | net worth falling, delinquency rising |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 0 |  | delinquency rising |
| 2022-03 | 1 | members leaving |  |
| 2022-06 | 0 |  | members leaving |
| 2022-09 | 2 | delinquency rising, members leaving |  |
| 2022-12 | 1 |  | members leaving |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 1 | members leaving |  |
| 2023-09 | 0 |  | members leaving |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | net worth falling |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-01-17 [Google Wallet now supports 44 more banks — here's the new additions - Android Police](https://news.google.com/rss/articles/CBMijgFBVV95cUxNc2tTNzBQQjlWRmhZQnBFTFdzVlVWWDBwcUc0TkhyNWl4T1dfM0hLU3oxNDZPdlhqWV9mWmEyd3VRWVA0enVPaWk0SGFwSm9QM2E2X2M5ckpOblU2cF9lQkNZbzl6alFweWE0M25fYVZQdVBqV3BtNzIzRDJYNjhZTWw1QkZBUHI5VDBlbmVB?oc=5) · Android Police
- 2024-01-17 [Google Wallet adds support for over 40 more banks including Venmo - 9to5Google](https://news.google.com/rss/articles/CBMiekFVX3lxTFBFRngyX0h6VU1CeWUyekdkbkZZZVNmUXJCOTRqb0w5T1lDR3VVTV9uZi00T3VzTXh5VVZraEJhaGFZTFU5T1F0M1RDSlU3RkVMUlFVNF95Mk90WVk2bXQybE9YSjg3dEdNWVB2dnZtZnRFSzRlUE95cnp3?oc=5) · 9to5Google
- 2025-09-11 [Barbara Nolan Obituary (2025) - Attleboro, MA - Sun Chronicle - Legacy obituary](https://news.google.com/rss/articles/CBMilwFBVV95cUxQTFdyT05JQzRqTjdIWWJvQmJ1ZlBBLW9fdDZ3NjRiR05HT3ZYd1h1dFlrU2NZbU5wZEN1dk9VaEdEV1JkZVVPdlNydUxuVUJPNEx0aUdlQm02cnhucGFveXhWTDhhUHFhY1h6bUVtSEZOWHZNVTdUOHRBR0E2LUNqdHk1OG5CSWJ3aW5lZnRMZ0U4RGx6RWlV?oc=5) · Legacy obituary
- 2014-10-01 [Ada Homer Obituary (2014) - North Attleboro, MA - The Providence Journal - Legacy obituary](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOZ2Y0QzFVdTdWRWR1QmNzYmtLRXpsNVg5bmR3Z20wQm16M3I2NEdNM1hxUjVqNE1jT1BiaHZKZ1JtdHpVZGtPelFJeUw1ZU1weEttSHVnZ1FocmxFRFZFUkgyLXpEVlRzRF81SEJoR1NveVJlUU1KWXBmZDNoQjZIX3lJVTV6b1VzOUxj?oc=5) · Legacy obituary
- 2019-03-09 [Albert Allard Jr. Obituary (1936 - 2019) - Attleborough, MA - Sun Chronicle - Legacy obituary](https://news.google.com/rss/articles/CBMimgFBVV95cUxPT0hLTFFrUW1TNTVPYWp6NHFZVzdLOUxaNWs3cFZKRm9laG5MM0FSRUJ1dF9rN2QwdzZad2x6X05uUHcxTkktckFZb1YzQVJUOEtMY2FiYmM5czF5SEJyYzU3SWVZNTJDdU11cjVUS0pqdTJFR1FKc0JGaDR3U2swVVdlcER4b19WbUtMRERaazVrN0c4S0NhVENB?oc=5) · Legacy obituary
- 2012-01-08 [Diane Robertson Obituary (2012) - Attleboro, MA - Legacy obituary](https://news.google.com/rss/articles/CBMihwFBVV95cUxNLXo4elBTYXJGWEFzaWtBTUJadjRyOWhSU2VqWHIySV85UTVDb3gxeWM1dDFpb0FsUEhkX1I3RjRmR1pwMEF4bzNmMWNYenJXT2ZZRXF1aENYTzdldGtlajIyang4N0I3cWk2UnZ6ejg0N0hxMjIwQW9mVTduQ0NOamVhRXNfVmc?oc=5) · Legacy obituary
- 2024-01-21 [Google Wallet Expands: 44 New Banks Now Supported - Gizchina.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPWkpLVFYtZW1zXzVFbVEyNVdRazZxdGcta1M1c3psdFZBNV9fUnZWeFFTXzZKc0JQVzhNYkktLXdEdWlGMlBJNk1pWTVOWVJLbTFWclVrTGpjUWNQellBODVYUHdjbFZCYlR4Nk0tSnBxZEVUdC1ZaC1TeHJiYlJRRFRublk?oc=5) · Gizchina.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11400 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/8.json (key "11400", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=11400
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide