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
- CHARTER 92/100
- NCUSIF 13.0%
- CAMELS 0.22%
- HEALTH 1.16%
- NW $39.3M
- DELQ 3,784
- ROA #768/4,374
- ASSETS VISIONARY
- MEM 95042
Call Report peers
Blackhawk Area in the assets neighbourhood
Blackhawk Area's $39.3M assets sit next to VISIONARY ($39.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #95042: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Blackhawk Area
Blackhawk Area: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $39.3M (2025Q4) to $39.6M (2026Q1).
- Net-worth ratio shifted -0.04 pp (13.04% → 13.00%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for Blackhawk Area, both outside Illinois so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($39.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Blackhawk Area financially healthy?
Yes/no aside, the number is 92/100 (Excellent) - Blackhawk Area's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #768 of 4,374; by total assets it ranks #2,623 of 4,374 nationally (same basis as /rankings/largest); and #79 of 192 within Illinois. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.00% net worth ratio and 0.22% delinquency rate are the key drivers.
How does Blackhawk Area compare to other credit unions?
92/100 is Blackhawk Area's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Blackhawk Area are 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."
What rates does Blackhawk Area offer compared to banks?
Credit unions like Blackhawk Area are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Blackhawk Area directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.