State credit union · Vernon Hills, Illinois · NCUA charter #68187
Baxter
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $6.34B
- Total assets
- 368,252
- Members
- 9.6%
- Net-worth ratio
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.
Baxter - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)96
- Asset quality (delinquency)83
- Earnings (ROA)86
- Member growth82
- Liquidity (loan-to-share)63
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 9.57% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.57% | 30% |
| Delinquency Rate | 0.93% | 25% |
| Return on Assets | 0.36% | 15% |
| Member Growth | 2.80% | 15% |
| Loan-to-Share Ratio | 102.67% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Baxter
Charter #68187, peer group Over $500M, a cohort of 749 similarly-sized institutions: that's Baxter, a state credit union in Vernon Hills, Illinois with 368,252 members, $6.34B in total assets, and $5.15B in outstanding loans as of Q4 2025. The five-factor composite scores it 84/100 (Excellent), helped by a net worth ratio of 9.57% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
0.93% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Deposit deployment is captured by the 102.67% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.36% on net income of $23.1M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 2.80%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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 84/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.57% 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 84/100, 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 9.57% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.