# BLACKHAWK
Beaver Falls, PA · NCUA charter 21845 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/blackhawk-21845

Who the members are: federal charter, educational (single sponsor), organized 1974. 1,135 members of 2,000 potential (56.8% of the field); checking penetration 40% (share draft accounts per 100 members); loans per 100 members 59.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $15.0M |
| Members | 1,135 (-3.1% YoY) |
| Full-time staff | 4 |
| Net worth | $2.5M |
| Net worth ratio | 16.7% (p60 of band) |
| ROA (annualized) | 0.66% (p54 of band) |
| Total delinquency | 1.65% (p73 of band) |
| Net charge-offs (annualized) | -0.04% (p16 of band) |
| Loans / shares | 48% (p35 of band) |
| Cash / assets | 9.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.46% (p33 of band) |
| Operating expense / assets | 3.25% (p39 of band) |
| Vehicles % of loans | 36% (p23 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.99% (p65 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 79% |
| Certificates % of member funds | 12% |
| Average share balance | $5,960 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $8,891 |
| Loans granted, annualized | $2.7M |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 2 | losing money |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | repo signal |  |
| 2017-03 | 6 | net worth falling, charge-offs p90, assets shrinking |  |
| 2017-06 | 6 |  |  |
| 2017-09 | 4 |  | net worth falling, charge-offs p90 |
| 2017-12 | 3 |  | losing money |
| 2018-03 | 2 |  | assets shrinking |
| 2018-06 | 1 |  | delinquency 2x band |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | net worth falling |  |
| 2019-09 | 3 | assets shrinking, members leaving | net worth falling |
| 2019-12 | 0 |  | repo signal, assets shrinking, members leaving |
| 2020-03 | 0 |  |  |
| 2020-06 | 3 | net worth falling, delinquency rising, repo signal |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 | margin squeeze | delinquency rising |
| 2021-03 | 3 |  |  |
| 2021-06 | 1 |  | net worth falling, repo signal |
| 2021-09 | 1 | loan book shrinking | margin squeeze |
| 2021-12 | 0 |  | loan book shrinking |
| 2022-03 | 2 | net worth falling, delinquency rising |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | losing money |  |
| 2023-03 | 2 | assets shrinking | losing money |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 1 |  | assets shrinking |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 1 | delinquency rising |  |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 3 | delinquency 2x band, delinquency rising, assets shrinking |  |
| 2025-09 | 0 |  | delinquency 2x band, delinquency rising, assets shrinking |
| 2025-12 | 0 |  |  |
| 2026-03 | 4 | margin squeeze, delinquency 2x band, delinquency rising, members leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-04-12 [Auto workers union, credit union labor negotiations appear to be faltering - GazetteXtra](https://news.google.com/rss/articles/CBMi9AFBVV95cUxOdjJkSzlFU1Y4NEVoMnBFREp5UTJUaUdtaGFyc1M3bjI0Zmo1Y2dJSW1EdkV2VFIzbXdpU05hTDVSTzFoVnlpSjZNaVZfZncxM0lzMHQwaHdVdGxFR0ZkQVQtVXBHTW1GdS1ha3dnWmROMXFLVXNrMDZqSmxDNGdqRjNLeHVzMGJvRzJLRjliSFBzWGR2OE5yaExTSm1VNEJ0V19wcW94WlRrZUJwUUswajUyT3lvSGpEc05od0NVbnlfMlhiUUk4ZFYyZWxvOVNCNmJzQlctTGgtNTJHM3FCdnlENVRuUnF1MVBkMzBuTmxhS3oy?oc=5) · GazetteXtra
- 2024-08-01 [Jared Patrick Krut - gabauerfamilyfuneralhomes.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE0yS1p0UWlLZEFlMkZRaHI4enItRGIzWEc1dlhoTTgxa1haVnZITFlnRklJY09WNzVldjREMFlyOEIxa0ladUJMemRrN1BuTDc0dmVYNksxTnlLeDYxVEJ0ZXhYQW5NdzdvUGx3MmlWb1RuR1J1Vm1TTUdfQlc?oc=5) · gabauerfamilyfuneralhomes.com
- 2023-04-18 [UAW, Blackhawk Community Credit Union, agree to new labor contract - GazetteXtra](https://news.google.com/rss/articles/CBMi6AFBVV95cUxQME8zMFp5XzJUaXBzakRzMHlFZTRiZnMwYXVZM1Rsd0c1dmFObXNKY0pWc2ZSN0hQdWRXVkNNRzV4cUhWczlVd0tXZTlmTi10SnE3NXpPclVGQ3pQMGtOSURkUUdYaDl4aklqdzMyUldmaXNtVG5ic2xyUWRtVnJ6YzdnWW1QSlNpX3FaQW9OVjFka1otMXFCSHN4cmJTMHQ4QzJBTUl4UnFBWC1tcXNVXzVUQnpMNW1xOGNzUjN5SjdFWkE1azVveXBFZlhOZEhreTFWQkpHdEM1VFBlNjhkU1BLTUhXdGRY?oc=5) · GazetteXtra
- 2020-03-16 [Chamber spotlights ICCU, Blackhawk BBQ - Post Register](https://news.google.com/rss/articles/CBMiywFBVV95cUxNOEZjSW9jY1VHX0NxQXBuVDZQaHFieHpfWVVVWXE3U3BxWHBoTHBoWGJJQVE5QkVuS05nU1pUUEF3MHd2ZEpFNHRBamNXdEpDZnl3cXA1Mm1JWlMwaGt0SlB3ZTJLbU55VGdQRWVya2EzZWhoY3B4bjU0WFVzUEJUV1pUOVVEWXdXTzZDTmdzdndRZzhqX3NFQXpQUmUyV25oYUJFdXFoX25lV0JnZWVyZU9UbXFoNm1zN1RraWNidHdkUkFjU3I4TmpiYw?oc=5) · Post Register
- 2019-05-10 [Community 'Discovers' APG - army.mil](https://news.google.com/rss/articles/CBMia0FVX3lxTFBvNGVXWmJyYzFGMC1wNjlnbFBSamtTTEZwaGxPR3l0bGpYX3F5OVY4UnVNM2gxQXRwWndrQ3ZFRW9tSUJTN3ROZlV0Vk9JWHc2dnkzdTBwYktlcjhhVDJTTHI1R211ZVVLVEQ00gFwQVVfeXFMTklZWnJ0WjJ4dFhfZ0NNdGsyS0ZISzYxdDhlV3Jja216Q0Vta1hhc2J5eXI1elUtOXVSdVN2SUgzRy1jR09UOEFQcjFNX0xTM3c3eGc2bHhyQURUWkYtdXVpcDhETDZkWUxzeHhyUTVLaQ?oc=5) · army.mil
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2017-02-12 [Ann Frye Obituary - Las Vegas, NV - Dignity Memorial](https://news.google.com/rss/articles/CBMifEFVX3lxTE9oSi1aV3h5N1lvbEExWW4zRTVXWGN4Tmg1WC1wZldzaUNqMEZFMGw5THlpWTNUMUljRHpiMjU3MmxWX2tMQXk3YktkMm9zWlRfd2ZVeEYwM1dRWWVrM3paWXMxOUwzbnVCSTZ2ZjI5RVNmMkFvZXQ5aWloOVA?oc=5) · Dignity Memorial
- 2024-10-14 [BetUs ranks Blackhawk BBQ Pit as 57th best barbecue restaurant in the nation - Idaho State Journal](https://news.google.com/rss/articles/CBMigAJBVV95cUxQdUZVd2FSMGRFWVl4c2g0bFFzNG5XNG55dDdoWFpEb01rRVdwY3N4LTJ4OExZcGVWSEw4SXRCYWNUMWl2UHE4UTlwT1pWQVExSWQ5N05LeldobkxyQ09iYXBKeERQamVBcEhlNXNQNXAzWXNhREUwUnZjTjFHMjc3LVNwYnhJSFFyVElZM0xxUm1zRk5pRWlfNldGU3FsNlZIVHR0WUFfRUNlcVl6OUUxQkItanluekZkT3N1WEJVeHM4VURIZVd6akM4dUYzVGlIU0tmZzZOVFBuVmE0clhlSlY1Z0x3WHg2R3BEdmo4STJMeFpOajhQWF9pcG1VZlBX?oc=5) · Idaho State Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21845 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/21.json (key "21845", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=21845
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide