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
Call Report peers
BAXTER in the assets neighbourhood
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
BAXTER sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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).
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).
- One place up in Illinois, Decatur Earthmover (#77) ties at 86/100; one place down, NUMARK (#79) ties at 86/100.
How BAXTER's 5300 filing moved
BAXTER: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $6.34B (2025Q4) to $6.50B (2026Q1).
- Net-worth ratio shifted -0.05 pp (10.15% → 10.10%).
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
BAXTER gives up 14 points in total. Loan-to-Share Ratio costs the most, 5.5 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is BAXTER financially healthy?
BAXTER has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,842 of 4,374 nationally on health and #78 of 192 in Illinois. Its net worth ratio is 10.10% and its delinquency rate 0.93%.
How does BAXTER compare to other credit unions?
BAXTER scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (102.67% vs 83.90%). Its widest shortfall is net worth ratio (10.10% vs 11.18%).
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?
BAXTER is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.