# DAIRYLAND POWER
La Crosse, WI · NCUA charter 66665 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/dairyland-power-66665

Who the members are: state charter, organized 1952. 1,208 members of 3,624 potential (33.3% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *too clean*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $20.6M |
| Members | 1,208 (-2.0% YoY) |
| Full-time staff | 2 |
| Net worth | $3.4M |
| Net worth ratio | 16.5% (p59 of band) |
| ROA (annualized) | -24.40% (p0 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 86% (p88 of band) |
| Cash / assets | 27.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | -21.79% (p0 of band) |
| Operating expense / assets | 2.79% (p27 of band) |
| Vehicles % of loans | 26% (p16 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 | 65% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 75% |
| Certificates % of member funds | 9% |
| Average share balance | $7,223 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $26,431 |
| Loans granted, annualized | $4.2M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)

## Warning timeline

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

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

- 2022-07-29 [Patricia "Pat" Ann Miles - Coulee Cremation](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1qRnhvTWJwVDFSOGZJaWdnQV95eHZWdmxaVE9DQmFZTktTbldXTnEyTFA4RXZta0ZsMjc3RDRnVFhmNl85NkFjRDJvNU45MjNLNWZmdThRWGxnNlRQdzZIWA?oc=5) · Coulee Cremation
- 2025-08-19 [La Crosse Center board approves corporate deal that will top Miller, Chick-fil-A as largest sponsor - wizmnews.com](https://news.google.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?oc=5) · wizmnews.com
- 2018-01-18 [How rural America got milked - thecounter.org](https://news.google.com/rss/articles/CBMiYkFVX3lxTE54bF9COWVLTFAzVy01ODBOR3pRTzlBWTFxbWlXbWdnZU52WUI2aElRUlpTM29Pc1lPUC1JaDZQS0lvQkJ5ckxaRUtwNVdFaTRNdnQxNDZ1RDZES21yTUdFWUhB0gFnQVVfeXFMT3hmX3ZNMm13WGxzemNTN1E2bDVodnl4NTYzbzFTb2pGUUpJMDl4ZTQ5eWxDZE1qdGZISVNVX2IzbFFoSFowLXpZQTRHM3Z3ZzhtMzd6anM5UThkaldCcm9lRHBqVENZdw?oc=5) · thecounter.org
- 2022-07-31 [UWGB’s Institute for Women’s Leadership Launching New Programs in September - Seehafer News](https://news.google.com/rss/articles/CBMitAFBVV95cUxQRGlGUmhaY3dFLWVld3pmTFBWMFI3T3BHNC1oc2dyck5fVGxrOEVZaS1aQzlsZHBnaG5XU01DNXNCVF9IYlpFMGt6aWt5d1AzR0lGWEhVaUltaFZRU0kyUGlsZGR4M2NyN0tPSURrZ2lkMmg3VEtlU3ZPSnZxcG81M1VpMU5rUmlaMjc1dmdjNVNuQkVaelFjanpPaEc4bkROT2VxVFBKM21acThnbnpOUXg1dGE?oc=5) · Seehafer News
- 2013-12-18 [Home of New Albin native destroyed by fire, donations sought to assist victims - Waukon Standard Newspaper](https://news.google.com/rss/articles/CBMipgFBVV95cUxQT2p1d0NQWElSNU9QVUlnbXB2Y2hkbkl6RWpkOWd6bmRDSjkzUF9URTZxb215WlpDbERKbDhSLXljWE40TGxlUVJBcnAyTDN4c3BJQzNGc0pTQXpyenJfZWJTUk4tdjZrM2lRak0tVXA5XzNiUEpIV0ZnSm0zUjR6UW1LdThvM2k1ZnFhaVgwb2VlRWVsUk80dWhzbkJzR09qRE9WM0hR?oc=5) · Waukon Standard Newspaper
- 2013-04-03 [Mark Steven Schermerhorn - Coulee Cremation](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBYam1ldVJOeTBTcGZKd1RqUGdKMmlyaFlNRzBXRmdfXzB5X1R6dXFxYnZKMFVpXzBNdlR4Y0VxMEJPWnpkNGx4b21nYVQxbTFPWXUtdmtEV2NKMjg2V01tVWFBRQ?oc=5) · Coulee Cremation
- 2021-10-01 [Dean Tesch Obituary (1962 - 2020) - Stetsonville, WI - Appleton Post-Crescent - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQdjFSNXRQOHJFOWQyUGEtMUFxdVlSeTNBMFdiMHdLM1JOclZiSzBVYmxXOVJKODJDZ2F2VnRIUV9POTBTWGl2MEZiLU9hUHQ5TzhfQWNNc1c2TFk4WVYwNXpjMkd2aXdIS0ZhUUxzUi1CV0VJa1l5VW9MUnlIV016YlF5djc2Z2owMUsyQ21aYw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66665 (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/41.json (key "66665", 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=66665
- 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