BLACKHAWK AREA
Charter #95042 · Savanna, IL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.26% sits at the 15th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.11% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 93.86% sits at the 87th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 82nd percentile but its structural peers at the 41st — a 41-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 AREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $39.63M | 82th pct | 41th pct |
| Members | 3,786 | 88th pct | 64th pct |
| Net worth ratio | 13.00% | 45th pct | 48th pct |
| Return on average assets | 0.26% | 29th pct | 15th pct |
| Net interest margin | 4.08% | 61th pct | 39th pct |
| Cost of funds | 0.82% | 49th pct | 34th pct |
| Loan-to-share | 84.80% | 89th pct | 66th pct |
| Delinquency 60+ days | 0.11% | 22th pct | 18th pct |
| Net charge-off ratio | 0.18% | 54th pct | 38th pct |
| Loan growth YoY | 3.85% | 90th pct | 89th pct |
| Share growth YoY | 7.08% | 87th pct | 82th pct |
| Efficiency ratio | 93.86% | 80th pct | 87th pct |
structural peer set hash: e1a307f3ca1bccad2927db96433f03e6… (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.