# LANDMARK
Fairfield, AL · NCUA charter 97083 · asset band <$50M · latest filing 2020-12 · stopped filing after 2020-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/landmark-97083

Who the members are: state charter, organized 1928. 3,169 members of 30,000 potential (10.6% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 35.

**Verdict on the desk:** this could be *too clean*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $43.6M |
| Members | 3,169 (0.1% YoY) |
| Full-time staff | 15 |
| Net worth | $4.3M |
| Net worth ratio | 9.8% (p28 of band) |
| ROA (annualized) | -2.57% (p2 of band) |
| Total delinquency | 0.09% (p23 of band) |
| Net charge-offs (annualized) | -0.13% (p5 of band) |
| Loans / shares | 63% (p66 of band) |
| Cash / assets | 14.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.94% (p55 of band) |
| Operating expense / assets | 6.56% (p96 of band) |
| Vehicles % of loans | 18% (p11 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 8% |
| Third-party paper % of net worth | 9% (p92 of band) |
| Vehicle delinquency | 0.49% (p53 of band) |
| Vehicle NCO | 0.18% (p60 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 72% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 5% |
| Core shares % of member funds | 41% |
| Certificates % of member funds | 35% |
| Average share balance | $7,159 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 57% |
| Average loan balance | $22,942 |
| Loans granted, annualized | $6.1M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | repo signal |  |
| 2016-06 | 1 | delinquency 2x band | repo signal |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | delinquency 2x band |
| 2017-03 | 3 | delinquency rising, assets shrinking, members leaving |  |
| 2017-06 | 2 | delinquency 2x band | delinquency rising, assets shrinking |
| 2017-09 | 2 | assets shrinking | delinquency 2x band |
| 2017-12 | 1 |  | assets shrinking |
| 2018-03 | 3 | net worth falling, losing money |  |
| 2018-06 | 0 |  | members leaving, net worth falling, losing money |
| 2018-09 | 0 |  |  |
| 2018-12 | 3 | losing money, assets shrinking, members leaving |  |
| 2019-03 | 3 | delinquency rising | assets shrinking |
| 2019-06 | 4 | delinquency 2x band |  |
| 2019-09 | 4 | repo signal | delinquency 2x band |
| 2019-12 | 2 |  | delinquency rising, repo signal |
| 2020-03 | 4 | net worth falling, expense trap |  |
| 2020-06 | 4 | margin squeeze | members leaving |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |

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

- 2026-03-11 [Wisconsin credit union to buy local bank - Banking Dive](https://news.google.com/rss/articles/CBMiiAFBVV95cUxObUVvQkthNDB3NFV3RmdOUFh6RTd5OExRTGhMWk5CdXhzdFVuc19jRDBISHgzRjM0dkNBVzB3YTR0Z1VuSUVNMi1iR1E5cG5KZF9OaWtJNXhJajBybEpDSmRlYi1mQWpjeVZOMFlEMU5ybG5PM3h0TDJ0MzBmNFlETlp5ZDB5RXBJ?oc=5) · Banking Dive
- 2026-03-11 [Credit union strikes deal for Wisconsin community bank - American Banker](https://news.google.com/rss/articles/CBMilAFBVV95cUxOZmFfQ1BuTmRUdHV0V1dqZ0xNZEl5VjdoZmJOTHhMWkRiVHRFSDJlal9ZaWJHZ1JZcUdFTE1zOWZnVWJDZmgyMTZLSFBOMWt5aE92amZ6OVFyam9taExmWVUwT2JOblJDTkhpRGtWdmNON2lmQXh1T3dlVmVaT05YLWhCOFBTN2h2T3FlQUdWdnZqNE5N?oc=5) · American Banker
- 2026-09-05 [This month in live music: Concerts coming to Milwaukee in September 2026 - OnMilwaukee](https://news.google.com/rss/articles/CBMicEFVX3lxTFBua2hMOVkxcGluRG0yMEVNLXFKSjFzYmFMY0YyalpmTThhdFoxVjFrY0ZveTQ0SXplWkYxZFpiRzJ4VUxvUnkxTXF1SkJKdkM0Sk5CdVNVOVd6MXZVdUUxQ3lQbFJuYXgtdVZrNjBnaHQ?oc=5) · OnMilwaukee
- 2026-02-25 [Here’s Landmark Credit Union Live - Milwaukee Record](https://news.google.com/rss/articles/CBMidkFVX3lxTE9CaWM0b2lDVmlZN0RfakJ4ZFJ2ek1PaXRqNzQxUGgxX09vSXo5MHRWT0xxRWlxel9HVU9NbDRXR0ZEM2t3Z1Q1ZXZOOV9IR094alVmVFJEcWVOYjRIamJlOTk1TXdPazFVWnhBbWFvcFJBX3NLOEE?oc=5) · Milwaukee Record
- 2026-04-21 [Beck will play Landmark Credit Union Live October 6 - Milwaukee Record](https://news.google.com/rss/articles/CBMijwFBVV95cUxOb1oxUzZEVzU0ZVNTdTIxSGVZUmRXbGFaNHhKM09rYzdTVHhLX3EzQVRWa2JwNDBYODNWR2lwWjNzbDlNdld1UzU2d25xWVJKM01hbFVMTmJ3d05fRUhudWRIOHdnLXZveTJuQkJMVVNqYkFZdlBybjk0T1RvNjlFOVNfVGFRbjFPanl0UHBZSQ?oc=5) · Milwaukee Record
- 2025-10-29 [Historic bank building hits auction block - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxPZ1hseFgwaTVyaEJUYUxaN2MwbjAxYTZyTEttLXRmU2F2QXpQNnNfSDAyVTBKLVpOYm5kQTI2ZW5HZGdvZWJBbS1ZcGVpM1hCS1FSUVFzLW00TC1sclh3cllUSFpUNDBKOTRPeTVVeU5HWUQ2UmFDZS1YWFJCYThIUXI2LXlTWlEtX3lNbEpDLWkyU3ZPM3BZbHdjM2J0TnVr?oc=5) · The Business Journals
- 2026-04-30 [Indiana credit union to buy Ohio bank - Banking Dive](https://news.google.com/rss/articles/CBMikAFBVV95cUxQdENva0ZZYkFiN3BPWmVvS3lrVmd0R0RtQUszamd5U3E0VGFKcTNwbjllTXBDQzcxcldGUGNrYUVtM0s5bUpHTkxYc3dYZDl6OWxGbmNhUkc2Sm5DcGh1NC1BZzZQWm4tYWhxWXZTRHppd2x5TWhOUWx1Q1JfSHN6SFBOVnhTbzA2SmJzdG5uMjA?oc=5) · Banking Dive
- 2025-12-27 [$6M Landmark Admin data breach class action settlement affects customers of six insurance companies - Top Class Actions](https://news.google.com/rss/articles/CBMiggJBVV95cUxPdVU5YmZuVVN2eTBwcnFYREhjMHI1VnpZV3cyV2xEMlE3V21BTVloRk9aTzlZdmZfMWxvRFNKWmVXRGNzZ05ScmJvZkwybFA3cjEyMFNVSEhnbng3ZXp4S2R3cGl3NUlsbWx3eVA5WDFtRUxCVnpwMTRqVnBVSzJ2ZTNZMENiY29VMU1raVhGU1N4NVp3dWpQZjExRm1PMEdNWmIya19oakVJcmgzZ0lKbkc0dHhwWUk4Nk5lSWpfS3dkQUJwdzRQOWNJbWZtWkJvY1prQXdxWFM3Qkd3R0ttUjFaMGRhWG41b1BTTTVZMDJaUndoQ3FWRDJOSmUyNy0yd3c?oc=5) · Top Class Actions

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=97083 (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/59.json (key "97083", 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=97083
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide