Baxter Credit Union
Total assets
$6.50B
▲ +4.2% YoY
Shares & deposits
$5.22B
▲ +5.4% YoY
Loans
$5.17B
▲ +5.3% YoY
Members
369,985
▲ +2.4% YoY
ROA (annualized)
0.63%
peers 0.71%
ROE (annualized)
6.42%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | Baxter Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +5.1% | -0.9 pts |
| Share growth (YoY) | +5.4% | +4.9% | +0.5 pts |
| Loan growth (YoY) | +5.3% | +5.4% | -0.1 pts |
| ROA | 0.63% | 0.71% | -0.1 pts |
| ROE | 6.4% | 6.3% | +0.1 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
Profile
- Established
- 1980
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 340 N Milwaukee Ave, Vernon Hills, IL, 60061
- NCUA charter #
- 68187
- RSSD ID
- 858975
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.50B | $5.22B | $5.17B | $636.8M | $10.2M | 0.63% | 3.39% | 0.84% | 369,985 |
| Q4 2025 | $6.34B | $5.01B | $5.15B | $626.6M | $44.3M | 0.70% | 3.33% | 0.93% | 368,252 |
| Q3 2025 | $6.24B | $4.84B | $5.05B | $623.0M | $32.0M | 0.69% | 3.35% | 0.95% | 364,451 |
| Q2 2025 | $6.18B | $4.83B | $4.97B | $607.9M | $16.9M | 0.55% | 3.32% | 0.88% | 362,128 |
| Q1 2025 | $6.24B | $4.95B | $4.90B | $596.5M | $5.5M | 0.35% | 3.19% | 0.83% | 361,144 |
| Q4 2024 | $6.02B | $4.63B | $4.97B | $591.0M | $23.1M | 0.38% | 3.11% | 1.06% | 358,237 |
| Q3 2024 | $5.91B | $4.58B | $4.89B | $593.1M | $16.2M | 0.37% | 3.16% | 1.00% | 356,643 |
| Q2 2024 | $5.91B | $4.61B | $4.88B | $587.4M | $10.6M | 0.36% | 3.13% | 0.90% | 355,157 |
Loan mix (Q1 2026): real estate $2.79B · commercial $166.9M · consumer $2.02B · securities $494.1M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Baxter Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.71% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 6.3% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.32% | 55th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.8% | 73.0% | 31th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Baxter Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Baxter Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Baxter Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Baxter Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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