# LANDMARK
NORTH ADAMS, MA · NCUA charter 68050 · asset band <$50M · latest filing 2017-03 · stopped filing after 2017-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/landmark-68050

Who the members are: state charter, organized 1940, low-income designated. 2,529 members of 15,000 potential (16.9% of the field); checking penetration 38% (share draft accounts per 100 members); loans per 100 members 18.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $24.9M |
| Members | 2,529 (-5.0% YoY) |
| Full-time staff | 5 |
| Net worth | $3.0M |
| Net worth ratio | 12.2% (p49 of band) |
| ROA (annualized) | -0.23% (p21 of band) |
| Total delinquency | 1.10% (p60 of band) |
| Net charge-offs (annualized) | -0.01% (p21 of band) |
| Loans / shares | 39% (p25 of band) |
| Cash / assets | 27.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.41% (p27 of band) |
| Operating expense / assets | 2.98% (p40 of band) |
| Vehicles % of loans | 20% (p13 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.35% (p44 of band) |
| Vehicle NCO | 0.00% (p34 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 71% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 32% |
| Certificates % of member funds | 24% |
| Average share balance | $5,252 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 18% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $18,411 |
| Loans granted, annualized | $896,180 |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | delinquency 2x band |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | net worth falling, members leaving | delinquency 2x band |

## 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
- 2026-03-10 [Landmark Credit Union to acquire American National Bank-Fox Cities - WFRV Local 5](https://news.google.com/rss/articles/CBMiswFBVV95cUxOTmdCZEl1aXlFZVRhWVl4a1AxTERrenNITl9mdlpMQ2lLSzk2aXJWWXdDV3JZYXRsSEh4UnN3Vi1kdi1EeGl3T3pPZTU0a0NCd082MklNWXZETlBqLUJrSDAzaHRldFU3dk1XdkhYaDFRb25BdXAyMFVSZmpNM1FSclFWSUpoWElhWmJMTTc0cHVxS01OWnVBUDhjMzloblJ5aWlTOHo5ZFNrSWxuVTNxcHZFMNIBuAFBVV95cUxQd1g3RU9yUVczMDhkRTR6VVB6aHBGOGMycTUxdXpmaG5BSVJjVnZLZ3JKb2dyZGpuX3hkSk1mZjk0ZElHSEJwclhxTndGcUVleDhKcjRydER0bHVBSnZZakNKUWRCbHBpZnRWaW5SV1E3VWlKZ3prLTV3MFpVaEpxZHJEZzJ6U3pWcmd0R19FY2w5QjBvWm5BdTVac242SUkwd3FIdTlvM1VOWWNHOFNCTm5TOHhwd1lj?oc=5) · WFRV Local 5
- 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
- 2026-05-20 [Gig Review : AMONKLOK: From Dungeon Rites to Viking Glory, Amonklok Gave Milwaukee Chaos with a Hard Stop Landmark Credit Union Live Milwaukee, Wisconsin - Metal Planet Music](https://news.google.com/rss/articles/CBMilAJBVV95cUxNUFRHT0xkcmRhMURHSk1JaTZLSV9ydkF2TUw3b1NXcXFtc0U1Z0ZKQThaVnJUeWdjUzFZcmxERmhtM2VkdmpsMk0yNGkwcmc3VGhIRDFES1lvRkVrbnlVSXdidTNSRWRPNk1zeUtETzJlOTljc0RHZWtXbGw1c0dNZGNwWE9lTm9Od3U4bzJ4cmhQcVFxNkdRT2VaSnNhWHhpZG1Ycy1yX2Z6eTNqMW00cEhQTDFmZldNTVN4N2diWWtoTzBhR2NvazJTV3EwTUVXMF91RWJBY0lETXBLb3BZcTlSaHlIUThqVE1Idi0tYkZtalZyd2s0aHZzeW40R3pxNmROaEtyU1Zpa0l3TWNlbmk3OEg?oc=5) · Metal Planet Music
- 2026-05-14 [Big banks and Illinois retailers clash over landmark credit card swipe fee law - heartlandsignal.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxNd3UtWHBWNU10Q1E1ekwyb1hJMHhNX0ZEa1JJRU1lWjF5Wkp0REJfdWR2N0JaUHRFc25WaDF5UGNSUDdWeXgwc2VyemNYanJ2R0FXYnRuSmxybGVQdHZNeXpIWnI2OVdLdnotZ01rYndQcTZGajZybEM1cjhMbXZEcEVNdTdqNk9sQ1NYSkxhZzBRTkhyMWFTXzZhVUxQTG5PZFFDTG43bktnQWtjTk9qWFZIS2hncTJrdXc?oc=5) · heartlandsignal.com
- 2025-10-08 [Deer District concert venue announces new name - The Daily Reporter](https://news.google.com/rss/articles/CBMihwFBVV95cUxPSUFqa09BZWNWUlJRYUhPQllpZ3gxREdLLUZyVU5Jbk90VVNLZjl0eHNodUFIWnZ0SEFKZzlFaHgtVnRFZkdfWldCdm5kc0M3dXJtUWk4cHRkcElmMjEtV0QxS290aUFGS3pkRVRkS2dMWWtwc1l0U3R1aW81WUhSSDByNVo2STQ?oc=5) · The Daily Reporter
- 2026-05-11 [What to Know for Yellowcard: The Up Up Down Down Tour Setlist - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiXkFVX3lxTFA0QkRUeVVRLXBZcHp1T2pYakN5UFpONEx4ZHBKOFNwZ0Nxa1hLcm5tckxJcVNacjVSUTUyNFFibXBlZnlEcHF6eGtHbzktdmNRblBrSldaTWFjREwtOGc?oc=5) · Ticketmaster Blog
- 2025-10-08 [Milwaukee's newest music live venue has a confirmed name, opening date - Spectrum News](https://news.google.com/rss/articles/CBMilgFBVV95cUxORkJvcDJDS2RDNXVWS21jdFZDYWhxSjFPeVg1Z0w5ZXF5c09aQWNQXzJvcldTRWhvcVY4NmVTS0FyM19HdmF4bXpyT2NGYnI0V0xyWmpmT2k1RFAxanJYUExVOXdwUDB6UzJMdTJpeHZsYkRJR2VScmF4VGVTNkpjREtrNnVGUm9WTmEtZGhZcW9ER2x4Y2c?oc=5) · Spectrum News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68050 (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/18.json (key "68050", 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=68050
- 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