Federal credit union · Savanna, Illinois · NCUA charter #95042
Blackhawk Area
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $39.3M
- Total assets
- 3,784
- Members
- 13.0%
- Net-worth ratio
Blackhawk Area scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $39.3M; members 3,784; net-worth ratio 13.00%; health rank #768 of 4,374; healthier than 80th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#768 of 4,374 health · 2025Q4Blackhawk Area · health 92/100 · $39.3M · 2025Q4
Call Report peers
Blackhawk Area in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Blackhawk Area vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Blackhawk Area sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Blackhawk Area: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 83.91% vs peer 59.80% (+24.11 pp).
- Largest lag: Net Worth Ratio at 13.00% vs peer 14.86% (-1.86 pp).
Blackhawk Area: in-state Call Report ranks
- In Illinois, health place is #31 of 192 on the same NCUA-ratio sort used nationally.
- Assets rank #79 of 192 inside Illinois ($39.3M reported).
- Membership ranks #76 of 192 among Illinois CUs with a reported count (3,784 members).
- One place up in Illinois, COMMONWEALTH (#30) ties at 92/100; one place down, I.B.E.W. Local #146 (#32) ties at 92/100.
Quarter path for Blackhawk Area
Blackhawk Area: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $39.3M (2025Q4) to $39.6M (2026Q1).
- Net-worth ratio shifted -0.04 pp (13.04% → 13.00%).
This credit union's 13.00% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
Blackhawk Area gives up 8 points in total. Member Growth costs the most, 8.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.6 pts
- Loan-to-Share Ratio 15.4 pts
Blackhawk Area health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.00% | -1.86 pp |
| Delinquency Rate | 0.22% | -0.93 pp |
| Return on Assets | 1.16% | +0.45 pp |
| Member Growth | -1.36% | - |
| Loan-to-Share Ratio | 83.91% | +24.11 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $39.6M | - |
| 2025Q4 | $39.3M | 3,784 |
| 2024Q4 | $38.0M | 3,836 |
| 2023Q4 | $40.1M | 3,951 |
Credit Union Details
- Charter Number
- 95042
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- Savanna
- Data Quarter
- 2025Q4
Branch Locations (3)
Blackhawk Area operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| BACU Savanna Main Office (Main Office) | Savanna, IL |
| Freeport Branch | Freeport, IL |
| Polo Branch | Polo, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- Blackhawk Area ranks #768 of 4,374 nationally on financial health and #31 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northwest Municipal is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northwest Municipal
Frequently Asked Questions
Is Blackhawk Area financially healthy?
On its 2025Q4 NCUA 5300 filing, Blackhawk Area scores 92/100 (Excellent), with a 13.00% net worth ratio and 0.22% of loans delinquent. It ranks #768 of 4,374 nationally on health and #31 of 192 in Illinois.
How does Blackhawk Area compare to other credit unions?
Blackhawk Area scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (83.91% vs 59.80%). Its widest shortfall is net worth ratio (13.00% vs 14.86%).
How can I join Blackhawk Area?
Membership eligibility for Blackhawk Area depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Blackhawk Area directly for current membership requirements and application steps.
Is my money safe at Blackhawk Area?
Blackhawk Area is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Blackhawk Area's net worth ratio of 13.00% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.