# LANDMARK
Danville, IL · NCUA charter 60532 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/landmark-60532

Who the members are: state charter, organized 1935. 9,610 members of 116,194 potential (8.3% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 1392.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $122.5M |
| Members | 9,610 (-2.4% YoY) |
| Full-time staff | 25 |
| Net worth | $11.7M |
| Net worth ratio | 9.6% (p22 of band) |
| ROA (annualized) | 0.13% (p14 of band) |
| Total delinquency | 0.48% (p40 of band) |
| Net charge-offs (annualized) | 0.49% (p66 of band) |
| Loans / shares | 41% (p9 of band) |
| Cash / assets | 32.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.34% (p31 of band) |
| Operating expense / assets | 4.24% (p70 of band) |
| Vehicles % of loans | 84% (p99 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 32% |
| Third-party paper % of net worth | 252% (p91 of band) |
| Vehicle delinquency | 0.46% (p43 of band) |
| Vehicle NCO | 0.72% (p63 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 10% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 9% |
| Average share balance | $5,107 |
| Participations bought / yr | $5.3M |
| Participations sold / yr | $0 |
| Participations outstanding | $17.2M |
| Loans outstanding per 100 members | 1392% |
| Loans granted per 100 members, annualized | 477% |
| Average loan balance | $340 |
| Loans granted, annualized | $16.3M |

## Participation posture (from the same filings)

Bought $5.3M and sold $0 in the latest annualized quarter; $17.2M outstanding purchased (146.7% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 0.6% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 3 | repo signal |  |
| 2016-09 | 0 |  | delinquency 2x band, charge-offs p90, repo signal |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | delinquency 2x band |  |
| 2019-03 | 0 |  | delinquency 2x band |
| 2019-06 | 2 | net worth falling, loan book shrinking |  |
| 2019-09 | 2 | delinquency 2x band | net worth falling |
| 2019-12 | 1 | auto monoline | loan book shrinking, delinquency 2x band |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 2 | members leaving |  |
| 2021-03 | 6 | thin capital, net worth falling, margin squeeze, delinquency 2x band |  |
| 2021-06 | 4 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  | members leaving, thin capital, delinquency 2x band |
| 2021-12 | 2 | thin capital |  |
| 2022-03 | 4 | net worth falling, 3rd-party paper>100% NW |  |
| 2022-06 | 3 |  | net worth falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | thin capital |
| 2023-03 | 3 | delinquency rising |  |
| 2023-06 | 2 |  | delinquency rising |
| 2023-09 | 4 | delinquency rising, assets shrinking |  |
| 2023-12 | 3 |  | assets shrinking |
| 2024-03 | 2 |  | delinquency rising |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | net worth falling |  |

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

- 2026-08-31 [Landmark Credit Union Completes Acquisition of North Shore Bank Branch in McHenry, IL - PR Newswire](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNOWZHZ3VKWUMxYkQzQ1Z3bXQ2aHprMXdjemp1YURQMXVPRFBQU2FTUGg2aGxBbjJoM2oycnNUZkR6QmlkeVdXakRRS0RtbTd0enRrMm5zZGJCNG5hUjFFLW1QbFhLQS1tazZvdUlDeldRWktBZ3doX2pRbmpFOG1aTmlXM1I3NTRYR1JjNnIxUzFXU3lqMHc0VmxNVjBpQlFmbUdTbTV1aWx0RGxTb09QcXptT1h2LVVqUkdwdVpNemVrNk1uc2Iwd3lnQ0F1MkVvMVFoMlNTQQ?oc=5) · PR Newswire
- 2026-03-19 [Landmark Credit Union Announces Agreement to Acquire North Shore Bank Branch in McHenry, IL - PR Newswire](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPZmI0WXJNRFRkN0ZhOHA3dWxDM0ViaTB6SUVSM01vdlhTRFJoZkFEbmVrVjB2Qk04UDl2S1R2WFBhbnNSUWhVUkFCODBZaWFoY0tqN01qTkROeU16ZmwtU1R6OHRrR1p3N182MUNyYmN5U2kwazZfdnIteC1DcHRnMG1SdUk5dVA3dkpnNzA5Q0Nlc25sWnVzbWxTN2FDc1NNbnF3eU10ZWFfbmdROXNUWlFMeE0xdWJXU2V6SmZfYlZQRlUxQmdvN09INUdEZ3RCbUhFdjBEeU8tX1ZQZkY4?oc=5) · PR Newswire
- 2026-03-10 [Milwaukee area credit union to acquire Appleton-based business bank - The Post-Crescent](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQUUdiTEk1SlhxOFEzSUdxUVZ1NmZxYTZCbFlWcVFVdVJ4SGxiMElvSFltU3BNQldCTUZIX3ZhLW8zNmx0M1ZjNjFUWDdCWENPZmlIZHhoRkJnYnh4cG5od1NWaUNtOUtEaXVhWFktUFBjVlMxUDltQTJEY2x5a01PZWEyRFd1aEx2ek9tbTY4Yl9RWVhjeXRhM3BxYkdrWFU5Vy1UZzZFeGFFZEhVRjFNaFg2TlZOdE5XZjBuWWxzUTBjYjFaTlAwSTBweUJuZWVBZExiTW9EWQ?oc=5) · The Post-Crescent
- 2026-04-28 [Federal government intervenes to block Illinois’ landmark credit card swipe fee as lawmakers weigh options - Chicago Tribune](https://news.google.com/rss/articles/CBMikAFBVV95cUxQZzd3cURWaG95LWNxWHZET2xaeEc4d0VfeXdLM0hLdkpXR2ctRWNIQmREaWpTY0ROR1p3U3N1WUwzaWtITW00RUlPZ19VSkgwTXBVMW1MU3hFS2ZKb0dMbEl3V3NmNVlNdmRZb0M4ZHdCTXA2bVBUOWd6V2wtUm1vWGdLVGJPbC0wb0Q2M3d5c3I?oc=5) · Chicago Tribune
- 2026-06-29 [Landmark Credit Union Expands its Madison-area Footprint with Plans to Open Five Branches by the End of 2027 - PR Newswire](https://news.google.com/rss/articles/CBMi9wFBVV95cUxNVFFZNTRjaEo0WEhTb3U5NGEzdHkwdXBkbVh6UElwaDBjN3loQ3d3ejZQQ2ZaNGZFY2JpTEpiaFdYdVBnQ0FJZ3puY0NLZ3A4bVVheUxfUEdjV3B1a1J2bXdrYzFOQV96MXdjOVQ3MWc4V0xzZnlkLU94RllNV21jYzI1Q2JUbElHMURhOFBfU1B5cWlTQzJVQTkyeEJIcVhYR25NQ0hOTGNGYlQwbGhYODlmRENMOFVaVzQ2QVc1cmNCSUxJcFlSYXZlUmNrTXc4RTdXMDZ1QUYxbm1IODM5US14N2FvMUVKeklNWE9hUVhaQm5DNUNj?oc=5) · PR Newswire
- 2025-10-08 [Naming Rights Partner Announced For Deer District Concert Venue - Urban Milwaukee](https://news.google.com/rss/articles/CBMipAFBVV95cUxPM1lQQnZRV2JPbTc0WGpEaC02dWJLNG1QbHM2ekRlaDU4WFgyNjRZUlZ2aVhJeGdXY1JnV0ctNmh0UExoR181bHFHNnhULWdOcVJRV3RGUXQ2RGhLMDU5TklKNzVjTGw5RlFkSWo5WlRjQVBhbDZMekxNbVdFYUd5aWFMV25zLUpLTGhsYzQ0MHdLMWFlQXdpZ3FoSURJRXh5emo3Tw?oc=5) · Urban Milwaukee
- 2026-05-27 [Kehlani Takes the "Kehlani World Tour" Across North America With 33 Dates This Fall - That Eric Alper](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOVnZIdW5RdEM1UGF1d0JTZlVGRm9fV2ttRzFWZ1ZqckdVWHVpNy1WXzlnV3dTVExVUWJJeExYSk05d2M5R2VOQkt3ZHZQdkU0UzBscW80YlBHUnlES0lCN3dieF9UU3huZUFKeGdkNzROSHNoMFF2YXlBZWF5UnZwR01pYVFVTFZtc2ZacjNKZ0JyeXpZQUlBNFVkLWlSYmE4UW0xUjlnNzU2NVZyX3UtY1lmenZBUDd1Wm9hVHBEWVI?oc=5) · That Eric Alper
- 2026-05-26 [Kehlani Unveils 2026 ‘Kehlani World Tour’ Dates Across North America With Durand Bernarr & More - That Grape Juice.net](https://news.google.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?oc=5) · That Grape Juice.net

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60532 (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/52.json (key "60532", 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=60532
- 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