BLACKHAWK COMMUNITY
Charter #66998 · Janesville, WI · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.23% sits at the 11th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.09% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 93.89% sits at the 95th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 91st percentile but its structural peers at the 48th — a 43-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | BLACKHAWK COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $931.72M | 91th pct | 48th pct |
| Members | 44,169 | 58th pct | 41th pct |
| Net worth ratio | 10.84% | 57th pct | 54th pct |
| Return on average assets | 0.23% | 17th pct | 11th pct |
| Net interest margin | 3.01% | 20th pct | 39th pct |
| Cost of funds | 1.39% | 43th pct | 48th pct |
| Loan-to-share | 60.69% | 11th pct | 33th pct |
| Delinquency 60+ days | 0.41% | 31th pct | 39th pct |
| Net charge-off ratio | 0.09% | 10th pct | 13th pct |
| Loan growth YoY | -0.46% | 34th pct | 21th pct |
| Share growth YoY | 3.47% | 42th pct | 49th pct |
| Efficiency ratio | 93.89% | 96th pct | 95th pct |
structural peer set hash: 06b8e9937f66ca5517ae7e7f62e48c54… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.