# BLACKHAWK COMMUNITY
Janesville, WI · NCUA charter 66998 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/blackhawk-community-66998

Who the members are: state charter, organized 1965, low-income designated. 44,169 members of 3,964,331 potential (1.1% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $931.7M |
| Members | 44,169 (-1.8% YoY) |
| Full-time staff | 181 |
| Net worth | $101.0M |
| Net worth ratio | 10.8% (p58 of band) |
| ROA (annualized) | 0.22% (p17 of band) |
| Total delinquency | 0.41% (p31 of band) |
| Net charge-offs (annualized) | 0.09% (p10 of band) |
| Loans / shares | 61% (p12 of band) |
| Cash / assets | 34.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.97% (p20 of band) |
| Operating expense / assets | 3.45% (p43 of band) |
| Vehicles % of loans | 15% (p18 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 67% |
| Third-party paper % of net worth | 49% (p36 of band) |
| Vehicle delinquency | 0.65% (p57 of band) |
| Vehicle NCO | 0.57% (p33 of band) |
| Repossessed % of vehicle book | 0.10% (p64 of band) |
| Real estate % of loans | 68% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 64% |
| Core shares % of member funds | 75% |
| Certificates % of member funds | 21% |
| Average share balance | $8,018 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $10.1M |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $23,733 |
| Loans granted, annualized | $144.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $10.1M outstanding purchased (10.0% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 4.8% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | net worth falling |  |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | net worth falling |  |
| 2018-09 | 2 |  | net worth falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | 3rd-party paper>100% NW |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 1 |  | margin squeeze, net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | delinquency rising, members leaving |  |
| 2022-12 | 2 | assets shrinking | thin capital, delinquency rising |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 1 |  | members leaving, delinquency rising |
| 2023-12 | 1 | delinquency rising | assets shrinking |
| 2024-03 | 0 |  | delinquency rising |
| 2024-06 | 1 | net worth falling |  |
| 2024-09 | 0 |  | net worth falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 2 | net worth falling, delinquency rising |  |
| 2025-09 | 0 |  | net worth falling, delinquency rising |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 0 |  | delinquency rising |

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

- 2026-07-22 [Blackhawk Credit Union, UAW sever ties, ending 45 years of union employee representation - GazetteXtra](https://news.google.com/rss/articles/CBMi_gFBVV95cUxPZ1hiSXlLaUk2X1F6Z3dyMmNadVVfTFFOYW9UWW16S2VJTkc5TVBvRmhuSXYtMkcwUzdCTWhJclk4bVhsZDJPd0dHUlJTeUVCWXNGdWZEeENBQU9LMTNyT2RxUU8wZXRTR1RIc1dacEtoTTdpSjN2RnpPSEVBTWIxSm1Ybm9lRXRKWXduMmI3UzdjR3Frc3hMZVF2SVRlYWp5dGlPNS1vV29GRmdaaTVGaVZzbDZjRjV1QnR1WXhvVTZCR2VXSWg1QW5UckQ1VFNkZjd3RWlsY3JJQzkxWVFtZm1mWGF6VVlzeWxJRG51VFdFNFVaWDhSSlRMenJfQQ?oc=5) · GazetteXtra
- 2018-09-28 [Blackhawk Community Credit Union announces expanded revitalization of downtown Janesville, Wisconsin, that serves as a model for U.S. cities - PR Newswire](https://news.google.com/rss/articles/CBMinAJBVV95cUxPSEpQTk8wX0Y3d3VMVGdoU2sxMHU0Yk1COEctNExuTl9sRzJIbGZvVVlTbDdyd0tzUTFwaEhuMFJzU2JjSTZMa1FxWjJETkZZSzNTNkFLRXpmc19BY2Z1ZS0zNVZZUkNTaTZGbHBENF9GUG1SbnlURGt6cjhWckhlbzZSanhuNnVTU2FiZmUtSUJlU21WaV9mSUJrTEVEc1A5SDhBM2ltYUh0VXZub0hScUJrYi02RlVzaG5DWDQyN01VdGJrWEhsdk9Bd0VuMzBIZGd5QWpGd1J2TXdnVHpKbVpJUWZsLUZOc3NqWHFLeW9rd0NnMG9YTnF0c2tTNC1hZlV5cVRwVlJObTZ5R21MRU9ZMHIxNnNRajZRNw?oc=5) · PR Newswire
- 2026-08-20 [Gina Fiedler Obituary (1961 - 2026) - Janesville, WI - The Gazette - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQNDlFeTRCbktxc0VMT3l1a0poVHF0VVMzZWZId3h6NlJtUUdmeVlkbWNOdDJVcXNuN003bjlWdVp6SlJpa0t3WlNNR3FLaFdKdGdEU1FhUHZtZVBuOEJnVHVSR1F3WmtwcVNOZ3NZNlo0alRaV2NNRXAwd3RIZ2wwSnlSYlhOVmJTbmVWckRuMGM?oc=5) · legacy.com
- 2018-10-04 [UW-Whitewater to be part of the Blackhawk Community Credit Union new headquarters - University of Wisconsin-Whitewater](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1WQXhTd0pYOW9nX0xDOUNpdE1hdFQ1YUNyTEhYUVdiRVJVRVZuYllueGgxU1BnMGs3N0dLcU4teTVkQnVyS0d6aGVmeE5UNFpmVUhRZTV3R0c4SWdKTHA4?oc=5) · University of Wisconsin-Whitewater
- 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
- 2023-03-21 [Blackhawk Bank based in Beloit merges with Illinois banking firm - Beloit Daily News](https://news.google.com/rss/articles/CBMi-AFBVV95cUxQRWExR3d6bE10VDBuYlpVNU1wX2N6c1NFdENvSTlBOFJESjZXQWhXc1I5M1poY3BKS0NubkVUZEtONlp2cjZ5MUNNbHlpRWhUV1kzNHVGR1RDa3k5ZjFsWWR4R3Y0TnNCRVo0ZnhXMEVsMkZHYkNWUXF4Y3d5dFUtdUxldDVPT3RWVXR4SlFmRmVxdlk0Tl8xcTh0Q2VCaXoxcjBHbnZhQVo4akU1VTJtZWVUS1BfWXFYbFVUZmY0WE0zX19qdy1UeXlBOTk1YTN5Sk9COHkwLXE3TnpOOF9vUjU4SDVucFpuanNpa2tYci1RZGROT2R5Rw?oc=5) · Beloit Daily News
- 2020-02-24 [Collecting and remembering the automotive past in Janesville - GMToday.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQWWpOSXBMVGNaQW5xck0wZnVXQ1lJbmQ3RXltTUpFYlA0Y2RwTWRvTGEwSFFrQVRIaXlveVVSbzRpVHlxOXRYcUlnaUVvdEJpTUZ0ZlhfSVFYc3NhLW9ia3Y2aEl0MDJmWnhKS2JZRHFHUzl5QUtNSkUwdmZoSFFTU242MU90dGVrRDN4MU5jeVdHdjh2cG85Q0IxZUhEWEZRRUJ6SnhMTjFDNjNWVHY1TkJ6ejZNZnZEOXNYQkZBcG85X3djV244dFZOWVFTS2s5Um5RUl9R?oc=5) · GMToday.com
- 2023-03-09 [Plan underway to transform historic Janesville bank building into new children's museum - channel3000.com](https://news.google.com/rss/articles/CBMihAJBVV95cUxNRG1ocG9tSXJOSzBLUkRBRWFxNzNDejVYQVZILVV2RjUtd0VCSFVLUFhNSFZ5SkRZVmJ4T1JjUTlfUWh4cjRSYlJ4azZrRWF1VkFoeWVBVW16MlgybFRXNTZPcXltWE1nbm8tY05PRWR3RmtKNVdmZTNGRGpVaTRkWG52ZWx0ZFpRUTBMakhMYkRUUjhkOF9mcE5jZllWSTNkZ25jeXRNejBreVpoTDdpYW54SzZseFA5OUczUUVQRktvWFNnWkUwa0E1cTBzNHh5VWpkUnlmd1BWVzRCM3l4ZTZXTWJ6SzRHbG43bHhCd1Q3cWo3TGFseV9vZW5TX0xMYzBzXw?oc=5) · channel3000.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66998 (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/54.json (key "66998", 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=66998
- 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