LANDMARK

Charter #66751 | WI

7B-10B (30 CUs) Large (64 CUs)
2 7B-10B in WI

LANDMARK has 6 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 12.0% in tier
  • + Relationship Depth Leader: Top 21.4% in tier
  • + Organic Growth Engine: Top 29.0% in tier
  • + Deposit Growth Rate: Top 0.0% in tier
  • + Asset Growth Rate: Top 10.0% in tier
  • + Net Charge-Off Rate: Top 10.0% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 3.0% in tier
  • - Liquidity Strain: Bottom 9.4% in tier
  • - ROA 0.11% below tier average
  • - Efficiency ratio 5.76% above tier (higher cost structure)
  • - Total Assets: Bottom 6.7% in tier
  • - Total Deposits: Bottom 6.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Members 403,917
+1.7% YoY+0.5% QoQ
 -55.4K 459,296
+3.8% YoY
 38,719
+8.7% YoY
 33,089
+6.1% YoY
 33rd in tier
Assets $7.3B
+8.9% YoY+2.6% QoQ
 $-1.6B $8.9B
+1.2% YoY
 $717.4M
+12.8% YoY
 $547.7M
+7.8% YoY
 Bottom 3.3% in tier
Loans $6.0B
+5.0% YoY+2.1% QoQ
 $-383.2M $6.3B
+2.9% YoY
 $555.6M
+13.3% YoY
 $388.7M
+8.6% YoY
 30th in tier
Deposits $6.0B
+9.7% YoY+2.9% QoQ
 $-1.5B $7.5B
+2.3% YoY
 $603.1M
+13.2% YoY
 $464.6M
+9.3% YoY
 Bottom 3.3% in tier
ROA 0.9%
+23.9% YoY+0.3% QoQ
 -0.1% 1.0%
+22.1% YoY
 0.7%
-20.1% YoY
 0.7%
+273.4% YoY
 50th in tier
NIM 2.9%
+8.7% YoY+0.8% QoQ
 -0.1% 3.0%
+11.5% YoY
 3.5%
-0.2% YoY
 3.7%
+5.0% YoY
 47th in tier
Efficiency Ratio 69.5%
-4.1% YoY+0.0% QoQ
 +5.8% 63.7%
-2.2% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 63rd in tier
Delinquency Rate 0.5%
-18.4% YoY+6.2% QoQ
 -0.2 0.7%
+10.8% YoY
 1.0%
+20.8% YoY
 1.2%
-0.9% YoY
 30th in tier
Loan To Share 99.8%
-4.3% YoY-0.8% QoQ
 +14.4% 85.4%
+0.7% YoY
 80.3%
+0.1% YoY
 68.0%
-1.7% YoY
 Top 20.0% in tier
AMR $29,524
+5.5% YoY+2.0% QoQ
 $-4K $33,660
-2.9% YoY
 $22,950
+4.4% YoY
 $19,418
+1.3% YoY
 47th in tier
CD Concentration 33.8%
+8.1% YoY+1.9% QoQ
 +5.0% 28.9%
-1.3% YoY
 21.1%
+6.2% YoY
 19.6%
+6.2% YoY
 69th in tier
Indirect Auto % 27.1%
-8.1% YoY-0.8% QoQ
 +10.5% 16.6%
-10.3% YoY
 8.1%
-7.1% YoY
 7.9%
-2.9% YoY
 Top 23.4% in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#15 of 46 • Top 12.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.49%
(Tier: 2.82%, National: 4.19%)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#26 of 46 • Top 21.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.49%
(Tier: 2.82%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.5K
(Tier: $3.2K, National: $2.0K)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank worsening

Organic Growth Engine

growth
#44 of 50 • Top 29.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.69%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.92%
(Tier: 0.91%, National: 0.71%)
better than tier avg
Indirect Auto %: 27.08%
(Tier: 16.60%, National: 7.90%)
but worse than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY

Concerns (2)

Indirect Auto Dependency

risk
#4 of 33 • Bottom 3.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 8.86%
(Tier: 4.60%, National: 3.04%)
but better than tier avg
Indirect Auto %: 27.08%
(Tier: 16.60%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.69%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
33 of 64 Large CUs have this signature | 768 nationally
→ Stable (34→33 CUs) -1 CUs YoY | Rank improving

Liquidity Strain

risk
#9 of 32 • Bottom 9.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 99.85%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 4.95%
(Tier: 4.99%, National: 36.38%)
worse than tier avg
32 of 64 Large CUs have this signature | 484 nationally
→ Stable (27→32 CUs) +5 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 30 peers in tier

Top Strengths (6 metrics)

1
Deposit Growth Rate
growth
Value: 9.70%
Peer Avg: 4.48%
#1 of 30 Top 0.0% in 7B-10B tier
4
Asset Growth Rate
growth
Value: 8.86%
Peer Avg: 2.91%
#4 of 30 Top 10.0% in 7B-10B tier
4
Net Charge-Off Rate
risk
Value: 0.27%
Peer Avg: 0.56%
#4 of 30 Top 10.0% in 7B-10B tier
5
AMR Growth Rate
growth
Value: 5.49%
Peer Avg: 1.77%
#5 of 30 Top 13.3% in 7B-10B tier
6
Loan-to-Share Ratio
balance_sheet
Value: 99.85%
Peer Avg: 85.44%
#6 of 30 Top 16.7% in 7B-10B tier
6
First Mortgage Concentration (%)
balance_sheet
Value: 22.81%
Peer Avg: 38.48%
#6 of 30 Top 16.7% in 7B-10B tier

Top Weaknesses (5 metrics)

29
Total Assets
balance_sheet
Value: $7.32B
Peer Avg: $8.92B
#29 of 30 Bottom 6.7% in 7B-10B tier
29
Total Deposits
balance_sheet
Value: $5.97B
Peer Avg: $7.45B
#29 of 30 Bottom 6.7% in 7B-10B tier
25
Net Worth Ratio
risk
Value: 10.66%
Peer Avg: 12.36%
#25 of 30 Bottom 20.0% in 7B-10B tier
24
Member Growth Rate
growth
Value: 1.69%
Peer Avg: 2.85%
#24 of 30 Bottom 23.3% in 7B-10B tier
24
Share Certificate Concentration (%)
balance_sheet
Value: 33.82%
Peer Avg: 26.92%
#24 of 30 Bottom 23.3% in 7B-10B tier