State credit union · Vernon Hills, Illinois · NCUA charter #68187
BAXTER
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $6.34B
- Total assets
- 368,252
- Members
- 10.1%
- Net-worth ratio
BAXTER scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.34B; members 368,252; net-worth ratio 10.10%; health rank #1,842 of 4,374; healthier than 57th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,842 of 4,374 health · 2025Q4BAXTER · health 86/100 · $6.34B · 2025Q4
- ROA 86/100
- ASSETS 10.1%
- MEM 0.93%
- RANK 0.36%
- PHOTO $6.34B
- BOOK 368,252
- CHARTER #1,842/4,374
- NCUSIF Spokane Teachers
- CAMELS 68187
Call Report peers
BAXTER in the assets neighbourhood
BAXTER's $6.34B assets sit next to Spokane Teachers ($6.32B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
BAXTER vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
BAXTER - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68187. See our deposit-insurance coverage note.
Where BAXTER diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +18.77 pp (102.67% vs 83.90%).
- Net Worth Ratio trails the peer set - 10.10% here, 11.18% peer average (-1.08 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
BAXTER in Illinois
- In Illinois, health place is #78 of 192 on the same NCUA-ratio sort used nationally.
- By total assets, BAXTER is #3 of 192 in Illinois.
- Membership ranks #3 of 192 among Illinois CUs with a reported count (368,252 members).
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How BAXTER's 5300 filing moved
BAXTER: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $6.34B (2025Q4) to $6.50B (2026Q1).
- Net-worth ratio shifted -0.05 pp (10.15% → 10.10%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.10% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.7 pts
- Return on Assets 13.0 pts
- Member Growth 12.4 pts
- Loan-to-Share Ratio 9.9 pts
Call Report ratios for BAXTER
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.10% | -1.08 pp |
| Delinquency Rate | 0.93% | +0.06 pp |
| Return on Assets | 0.36% | -0.14 pp |
| Member Growth | 2.80% | - |
| Loan-to-Share Ratio | 102.67% | +18.77 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
BAXTER quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.50B | - |
| 2025Q4 | $6.34B | 368,252 |
| 2024Q4 | $6.02B | 358,237 |
| 2023Q4 | $5.90B | 350,088 |
Credit Union Details
- Charter Number
- 68187
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Illinois
- City
- Vernon Hills
- Data Quarter
- 2025Q4
Branch Locations (43)
Per its most recent NCUA branch filing, BAXTER runs 43 offices in 42 different cities across 15 states.
| Office | City |
|---|---|
| Vernon Hills (Main Office) | Vernon Hills, IL |
| Aibonito | Aibonito, PR |
| Bianca | Anasco, PR |
| Arroyo | Arroyo, PR |
| North Campus | Brooklyn Park, MN |
| Cleveland | Cleveland, MS |
| Crystal Lake | Crystal Lake, IL |
| Deerfield | Deerfield, IL |
| Draper | Draper, UT |
| Fredricksburg | Fredericksburg, VA |
| Golden Valley | Golden Valley, MN |
| Guayama - GSK | Guayama, PR |
| Guaynabo | Guaynabo, PR |
| Gurnee | Gurnee, IL |
| Jayuya | Jayuya, PR |
| Juana Diaz | Juana Diaz, PR |
| Kenosha | Kenosha, WI |
| Lake Zurich | Lake Zurich, IL |
| Lakeland | Lakeland, FL |
| Libertyville | Libertyville, IL |
| Glendale | Los Angeles, CA |
| Macon | Macon, GA |
| Maple Grove | Maple Grove, MN |
| North Cove | Marion, NC |
| Marlborough | Marlborough, MA |
| Kendall | Miami, FL |
| Plaza South | Minneapolis, MN |
| Minnetonka/UHG | Minnetonka, MN |
| Mountain Home | Mountain Home, AR |
| Thousands Oaks | Newbury Park, CA |
| Northfield-Medline | Northfield, IL |
| Arbor Lakes | Osseo, MN |
| Dallas | Richardson, TX |
| Round Lake | Round Lake, IL |
| Arden Hills | Saint Paul, MN |
| San Antonio | San Antonio, TX |
| San German | San German, PR |
| Irvine | Santa Ana, CA |
| Santa Isabel | Santa Isabel, PR |
| Covington | Social Circle, GA |
| Spencer | Spencer, IN |
| Vernon Hills Branch | Vernon Hills, IL |
| Virgina Beach | Virginia Beach, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for BAXTER - kept outside Illinois; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($6.34B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- BAXTER ranks #1,842 of 4,374 nationally on financial health and #78 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- State Farm is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with State Farm
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is BAXTER financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, BAXTER carries a financial health score of 86/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,842 of 4,374; by total assets it ranks #61 of 4,374 nationally (same basis as /rankings/largest); and #3 of 192 within Illinois. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.10% net worth ratio and a 0.93% delinquency rate.
How does BAXTER compare to other credit unions?
On PlainCU's health composite, BAXTER lands at 86/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join BAXTER?
Membership eligibility for BAXTER depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact BAXTER directly for current membership requirements and application steps.
Is my money safe at BAXTER?
Federal credit unions like BAXTER are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. BAXTER's net worth ratio of 10.10% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does BAXTER offer compared to banks?
Credit unions like BAXTER are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact BAXTER directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.