# LANDMARK
Brookfield, WI · NCUA charter 66751 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/landmark-66751

Who the members are: state charter, organized 1933. 406,664 members of 4,296,840 potential (9.5% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $7.73B |
| Members | 406,664 (1.7% YoY) |
| Full-time staff | 1026 |
| Net worth | $818.0M |
| Net worth ratio | 10.6% (p47 of band) |
| ROA (annualized) | 1.04% (p77 of band) |
| Total delinquency | 0.38% (p25 of band) |
| Net charge-offs (annualized) | 0.28% (p21 of band) |
| Loans / shares | 99% (p86 of band) |
| Cash / assets | 8.7% |
| Borrowings / assets | 6.86% |
| Net interest margin | 2.93% (p24 of band) |
| Operating expense / assets | 2.51% (p18 of band) |
| Vehicles % of loans | 29% (p58 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 89% |
| Third-party paper % of net worth | 220% (p70 of band) |
| Vehicle delinquency | 0.60% (p53 of band) |
| Vehicle NCO | 0.77% (p36 of band) |
| Repossessed % of vehicle book | 0.08% (p51 of band) |
| Real estate % of loans | 32% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 255% |
| Core shares % of member funds | 37% |
| Certificates % of member funds | 34% |
| Average share balance | $8,164 |
| Participations bought / yr | $6.8M |
| Participations sold / yr | $0 |
| Participations outstanding | $24.7M |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $33,590 |
| Loans granted, annualized | $2.68B |

## Participation posture (from the same filings)

Bought $6.8M and sold $0 in the latest annualized quarter; $24.7M outstanding purchased (3.0% of net worth), $36.5M sold and retained. Sold in 2 and bought in 7 of the last 8 quarters. Shares 11.0% year over year.

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, loans>95% of shares, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 2 |  | thin capital |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | loans>95% of shares |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | margin squeeze |  |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | loans>95% of shares |  |
| 2023-09 | 3 | leaning on borrowings |  |
| 2023-12 | 4 | net worth falling |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 3 |  | net worth falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |

## 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
- 2026-06-29 [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
- 2026-03-11 [Wisconsin credit union to buy local bank - Banking Dive](https://news.google.com/rss/articles/CBMiiAFBVV95cUxObUVvQkthNDB3NFV3RmdOUFh6RTd5OExRTGhMWk5CdXhzdFVuc19jRDBISHgzRjM0dkNBVzB3YTR0Z1VuSUVNMi1iR1E5cG5KZF9OaWtJNXhJajBybEpDSmRlYi1mQWpjeVZOMFlEMU5ybG5PM3h0TDJ0MzBmNFlETlp5ZDB5RXBJ?oc=5) · Banking Dive
- 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
- 2026-03-19 [Groups representing banks, credit unions clash over Landmark Credit Union acquisition - wisbusiness.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxOcDhKQjFXOWR1Vk1YNmlnOExmbDlMdGVLcHlkTElNcWh6cG42SXBoeFY1UGVranRabEpSdHUtQjg2a0tMS3VaRjdSbHhrbU9ocVNORUNVcnlGa3JXckliWXpIQUZUb2s1Zk9zcHJFdk1pY0hCenVrS0lPREp1UDhJS0pPV2c2bU9oN0FzdGkydGlINHNVVXc5TmVlVldITFBuM005YkJsTDNSMWYyU0p0NmlpRGZzaEg3R3c?oc=5) · wisbusiness.com
- 2026-04-20 [Landmark Credit Union sells former New Berlin headquarters for $4 million - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxON0t2SHFxRmNWUm5qd3E4TkgzWmp0WmlJTF8xMzFPbWoyb24tZDYxVEwta1hhQ0dwUmVqRHNFcTBwOW56YklxR0hkM3U0bTZoMjVYMzBLX0JHV0F3aXRJNkNLbmpicUlpTXpqV0ItZ2didGJ3VUpqNjRoT3o4WFhQRjhOeThhTWwzWlhER1pxbXFESERyRlIwNlRtTWdIYnlxbTdSdFZzSVZxQQ?oc=5) · The Business Journals
- 2026-03-10 [Landmark Credit Union to acquire American National Bank-Fox Cities - wearegreenbay.com](https://news.google.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?oc=5) · wearegreenbay.com
- 2026-03-11 [Credit union strikes deal for Wisconsin community bank - americanbanker.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOZmFfQ1BuTmRUdHV0V1dqZ0xNZEl5VjdoZmJOTHhMWkRiVHRFSDJlal9ZaWJHZ1JZcUdFTE1zOWZnVWJDZmgyMTZLSFBOMWt5aE92amZ6OVFyam9taExmWVUwT2JOblJDTkhpRGtWdmNON2lmQXh1T3dlVmVaT05YLWhCOFBTN2h2T3FlQUdWdnZqNE5N?oc=5) · americanbanker.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66751 (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/63.json (key "66751", 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=66751
- 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