TellerScore

Blackhawk Area Credit Union is a non-federally insured state credit union headquartered in Savanna, Illinois, in business for about 91 years. At the end of Q2 2026 it reported $39.1M in total assets and $34.5M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, Blackhawk Area Credit Union scores 79/100, which we describe as strong. That is higher than 62% of 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 77th. Its strongest component is problem-loan coverage (98/100; 0.8%), and its lowest is earnings (45/100; 0.62%).

TellerScore · Q2 2026

Scorecard

Capital cushion84/100
Net worth ratio: 13.41%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.13%
Earnings45/100
Return on assets (annualized): 0.62%
Funding & liquidity71/100
Loans ÷ shares: 89.3% · 0.0% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.75%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 5 points (84 → 79), mostly because the earnings component weakened by 29 points.

TellerScore
758084Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202482
Q4 202482
Q1 202584
Q2 202584
Q3 202584
Q4 202581
Q1 202675
Q2 202679
Net worth ratio
7.00%10.29%13.59%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.72%
Q3 202412.37%
Q4 202412.47%
Q1 202512.36%
Q2 202513.17%
Q3 202513.59%
Q4 202513.04%
Q1 202613.00%
Q2 202613.41%
Delinquent loans (60+ days)
0.00%0.11%0.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.02%
Q3 20240.01%
Q4 20240.02%
Q1 20250.00%
Q2 20250.19%
Q3 20250.21%
Q4 20250.22%
Q1 20260.11%
Q2 20260.13%
Return on assets
0.26%0.80%1.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.93%
Q3 20241.25%
Q4 20241.20%
Q1 20251.28%
Q2 20251.35%
Q3 20251.31%
Q4 20251.10%
Q1 20260.26%
Q2 20260.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$39.1M13.41%0.13%0.62%89.3%
Q1 202675$39.6M13.00%0.11%0.26%84.8%
Q4 202581$39.3M13.04%0.22%1.10%83.9%
Q3 202584$37.2M13.59%0.21%1.31%87.4%
Q2 202584$38.0M13.17%0.19%1.35%82.1%
Q1 202584$39.4M12.36%0.00%1.28%77.9%
Q4 202482$38.0M12.47%0.02%1.20%83.8%
Q3 202482$37.5M12.37%0.01%1.25%87.1%
Q2 202477$38.5M11.72%0.02%0.93%85.8%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.41%
42nd
Problem loans0.13%
78th
Net charge-offs0.09%
59th
Return on assets0.62%
48th
Loans to deposits89.3%
10th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.8%
70th

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Planites Credit UnionCredit union Chicago, IL69 out of 100, Moderate$39.8M11.3%0.85%vs
Sherwin Williams Emp. Credit UnionCredit union South Holland, IL71 out of 100, Strong$37.0M13.6%0.94%vs
Northwest Municipal Federal Credit UnionCredit union Des Plaines, IL86 out of 100, Very strong$41.4M13.7%0.09%vs
Illinois Valley Credit UnionCredit union Peru, IL58 out of 100, Moderate$36.3M10.1%0.34%vs
Streator Community Credit UnionCredit union Streator, IL80 out of 100, Strong$42.3M11.0%0.43%vs
Service Plus Credit UnionCredit union Moline, IL81 out of 100, Strong$34.7M12.3%0.46%vs

Deposit insurance

Is my money safe at Blackhawk Area Credit Union?

Blackhawk Area Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.41%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Blackhawk Area Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Blackhawk Area Credit Union
Type
Non-federally insured state credit union
NCUA charter #
95042
RSSD ID
374998
Primary regulator
State + NCUA
Established
1935
Headquarters
PO Box 328, Savanna, IL 61074
Employees
17

Quick answers

Blackhawk Area Credit Union: common questions

Is Blackhawk Area Credit Union NCUA insured?

Blackhawk Area Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

What is Blackhawk Area Credit Union's TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Blackhawk Area Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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