Blackhawk Area Credit Union Savanna, Illinois
Blackhawk Area Credit Union is a state-chartered credit union headquartered in Savanna, IL, established in 1935 (NCUA charter 95042), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,791 members and total assets of $39.1M (up 3.1% from Q2 2025), the 77th largest of 185 credit unions headquartered in Illinois. Its net worth ratio was 13.41% at Q2 2026, in the well capitalized band.
Also written as Blackhawk Area CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 95042
- Headquarters
- Savanna, IL
- Established
- 1935
- Total assets, Q2 2026
- $39.1M
- Assets vs Q2 2025
- +3.1%
- Members, Q2 2026
- 3,791
- Net worth ratio, Q2 2026
- 13.41%
- Latest call report
- Q2 2026, NCUA 5300 · Blackhawk Area Credit Union call report
- Asset rank in state
- 77th of 185 in Illinois
- Routing number
- 271188968
- Branches
- 3
It has 35 fewer members than on June 30, 2025 (-0.9%). Its net worth ratio was up 0.24 percentage points from 13.17% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $15.0M of $30.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.13% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 13.41% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Illinois
Frequently asked about Blackhawk Area Credit Union
How big is Blackhawk Area Credit Union?
At Q2 2026 it reported total assets of $39.1M and 3,791 members.
Where is Blackhawk Area Credit Union headquartered?
It is headquartered in Savanna, IL, United States.
When was Blackhawk Area Credit Union founded?
It was established in 1935, per NCUA records.
Is Blackhawk Area Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 95042): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Blackhawk Area Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Blackhawk Area Credit Union well capitalized?
Its net worth ratio was 13.41% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Blackhawk Area Credit Union's delinquency ratio?
Its delinquency ratio was 0.13% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Blackhawk Area Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 89.26% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Savanna, IL 61074
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1935
- NCUA Charter #
- 95042
- RSSD ID
- 374998
- Members
- 3,791
- Potential members
- 35,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 13.41% | 14.31% | 43rd below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.98% | 0.72% | 61st above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 7.27% | 4.74% | 66th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.54% | 3.93% | 75th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 80.59% | 79.83% | 48th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.31% | 0.78% | 79th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.13% | 0.86% | 89th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.85% | 4.70% | 56th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 89.26% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$39.1M total assets against $38.0M; $34.5M total shares and deposits against $33.6M; $30.8M total loans against $27.6M.
$5.3M net worth against $5.0M.
13.41% net worth ratio against 13.17%.
89.26% loan-to-share ratio against 82.10%.
0.13% delinquency ratio against 0.19%.
0.98% return on assets against 1.37%; 7.27% return on equity against 10.34%.
4.54% net interest margin against 4.95%.
3,791 members against 3,826.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.41% | 0.98% | 0.13% | 89.26% |
| March 31, 2026 | 13.00% | 0.26% | 0.11% | 84.80% |
| December 31, 2025 | 13.04% | 0.69% | 0.22% | 83.91% |
| September 30, 2025 | 13.59% | 1.18% | 0.21% | 87.44% |
| June 30, 2025 | 13.17% | 1.37% | 0.19% | 82.10% |
| March 31, 2025 | 12.36% | 1.28% | 0.00% | 77.85% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.