# SERVICE
Green Bay, WI · NCUA charter 66530 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/service-66530

Who the members are: state charter, organized 1934. 995 members of 6,000 potential (16.6% of the field); checking penetration 18% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *ordinary*. 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 | $13.2M |
| Members | 995 (-1.0% YoY) |
| Full-time staff | 2 |
| Net worth | $2.9M |
| Net worth ratio | 22.2% (p80 of band) |
| ROA (annualized) | 0.70% (p56 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 94% (p94 of band) |
| Cash / assets | 25.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.08% (p21 of band) |
| Operating expense / assets | 2.56% (p20 of band) |
| Vehicles % of loans | 51% (p37 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 | 40% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 0% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 34% |
| Average share balance | $6,587 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $22,532 |
| Loans granted, annualized | $6.1M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | assets shrinking, members leaving |  |
| 2017-06 | 5 | net worth falling, delinquency rising |  |
| 2017-09 | 4 |  | net worth falling |
| 2017-12 | 3 |  | auto monoline |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 | auto monoline | delinquency rising |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 | delinquency rising | members leaving |
| 2019-09 | 2 |  | assets shrinking |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 0 |  | auto monoline |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 | members leaving | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | assets shrinking |  |
| 2022-06 | 4 | net worth falling, delinquency rising |  |
| 2022-09 | 3 |  | assets shrinking |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | members leaving, net worth falling |
| 2023-06 | 1 | loans>95% of shares | delinquency rising |
| 2023-09 | 3 | losing money, assets shrinking |  |
| 2023-12 | 1 |  | loans>95% of shares, losing money |
| 2024-03 | 3 | net worth falling, delinquency rising |  |
| 2024-06 | 1 |  | assets shrinking, net worth falling |
| 2024-09 | 2 | loan book shrinking |  |
| 2024-12 | 2 | assets shrinking, loans>95% of shares | delinquency rising, loan book shrinking |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | assets shrinking |
| 2026-03 | 0 |  | loans>95% of shares |

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

- 2026-06-29 [Now Hiring: Landmark Credit Union seeking in-person branch staff - Spectrum News](https://news.google.com/rss/articles/CBMivgFBVV95cUxPVWRJVWlobERvN3lGdkFpN3dTQTRMRklGcVE1MmlnajdOZktha2g4S1UzTFoyVV9ldGtVSDlhTUtUekZsdmZHZDAwY0U5c093eVF1cWVvVVJMeGcxTW44UUJUenhVUzBQVEE3d2gtWVRRaHdBVkR1bEVCbzhKTkZaRU9lQzY3RU9NRHMzTTY2RmNnTFhKZU1xV19fU3NISURMRGFwTjJPWGlCSERXeEFYRlFHNk9lTXlGUDRIZFFn?oc=5) · Spectrum News
- 2026-01-14 [North Island Credit Union opens new full-service branch in Temecula/Murrieta area - CUInsight](https://news.google.com/rss/articles/CBMivwFBVV95cUxQU3NROFpkNy1nNGhRS2plZEtGV1VZMVlON0lqTnhuTEFFRDZSY2Y4NG5KblB4MEhUd1BEalFMeWpHdjNfUFdXc0thSUZfcEZUMlZTdXBwNFhFcVBiTVJvc0NPdWFUSndrNzhFZ19wLUNCZmVfdGRpWHlUbERlMHVNNjVVUGNVRnF1MnRmNXRyWjUySFYyWDhKcjVyUHhPb1JsRWtiSVRDb3J1LWdDR1FrTGxzWEIwRXBISXdpTE1FRQ?oc=5) · CUInsight
- 2026-08-05 [Best Credit Union Bonus Promotions (September 2026) - Best Wallet Hacks](https://news.google.com/rss/articles/CBMia0FVX3lxTFA2QXB2VnhxSnB0eVBNTEc5LUphV2s2Z2FNVVJGVHJWWWZXeGJnUzFWQ0I3dlJjQnd4WDVUOFUzZVRVbGJlMkh6aVBqZWJ4MEpoM2NaZHFTVEhra0xJVkdpOE0zMnJjUFI3aFpr?oc=5) · Best Wallet Hacks
- 2026-01-10 [Park City Credit Union to open new Wausau branch this spring - Wausau Daily Herald](https://news.google.com/rss/articles/CBMiygFBVV95cUxPa1k1aEkzeVdWRFV5Ri16bkozU3RYVk5HRU5XZHM0cUFmVm1TQkxZclNkb3lWWmFjV1FRU1hwdk5aZWI1RlBlb2NTU2dVR1c5SmFfOWRaV3pQOWJIcFZwWmtMMmJpSjE5ZlBUSGVTSXhnMHZoOUxLWEJaZGVqNUJMRElGbDZ4Vkt3NnJMSVdiRzZVbmhraGNKSFpMZklBYmlIUjNVUm9TSS0xbXhRWDF2ZGxaT1FjNXJBeGxrR0NLVllobDFGR0hIRWtn?oc=5) · Wausau Daily Herald
- 2026-06-30 [Brewers preview Theme Night: America’s 250th anniversary with flyover, flags, fireworks - WLUK](https://news.google.com/rss/articles/CBMi8gFBVV95cUxNdHhZMkQ3OW9jcEFjRkZaMEtuUTZuTmM1cWNZZE1RTUtCbG1SUk9YcjBYM1BxUTh4bm9aUjlmSjVRRHpYS3hCRXFiXzl4VkxnR2RJanpmS2x6dDJXTHdnVGoyck9od1ZITVE0TmdOQnY1WkJweS1jMVYyRkZGRnkzSVFrbmlzdldGWk1nTTZfTXVCOVhNaUE3dXhneVI4VkkwNG5XVjRiTUhyNFZNUjhNVFJFUWE4eVN6ajhjMXBLVUFkQkVnMURtcGxnaHhUbHZOaDdYd3hzaE1IU2k1eFBKQ2NDS0tfOWEzREZ4WVl6OXE1dw?oc=5) · WLUK
- 2025-12-02 [Gas station site sells for $4M to growing financial institution - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxOSHFjc0pNZVlQcXNvY0w2bFljQnlTTzFvUUEzdlBQdXl4TVluU2RITWtDWldVUVVjZGFaMm5NUEZ6MVlsMjE1RWhadU5GTzlnNWQ0V2xlTGFfeEI0S2NOakliY0lHbDA0THJ1RjNJRm1maFVnTjhVZnRZemY1amhGVGY0a0l1V0RRSjRSekFQekp6UThCWkFsZVVLbExoMHp1LTNCeF94UTNpZzVKaUE?oc=5) · The Business Journals
- 2026-08-05 [Linda Kay Kreutzer Obituary (2026) - Slinger, WI - Myrhum-Patten Funeral & Cremation Service - West Bend - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQdDc1N0x0UElab19pLU9QVUFJN2dBdGN3VUVBMEJPaUNvMmpORDRGQzRCcmVUbGhMNk1EdUdDSHc3cWwtTG85WUhIcDlGVUJ3NHcySlJpWnRTMGQyMUIxd2FfaUZ6ZGpkQi1nMDlfekNnQ01MRG5nZ0tqUG8tUUh2ak5XVQ?oc=5) · legacy.com
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66530 (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/34.json (key "66530", 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=66530
- 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