BlastPoint's Credit Union Scorecard
BAXTER
Charter #68187 · IL
BAXTER has 6 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does IL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 27.7% in tier
- + Organic Growth Leader: Top 27.7% in tier
- + Emerging Performer: Top 100.0% in tier
- + Net Interest Margin 0.46% above tier average
- + Fee Income Per Member: Top 2.9% in tier
- + Loan-to-Share Ratio: Top 2.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 5.9% in tier
- - ROA 0.11% below tier average
- - Efficiency ratio 1.65% above tier (higher cost structure)
- - Delinquency rate 0.33% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
364,451
+2.2% YoY+0.6% QoQ
|
+74.7K |
289,724
-2.8% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
76% |
| Assets |
$6.2B
+5.5% YoY+0.9% QoQ
|
+$440.7M |
$5.8B
+0.2% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
68% |
| Loans |
$5.1B
+3.4% YoY+1.7% QoQ
|
+$969.3M |
$4.1B
-3.1% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Top 14.7% in tier |
| Deposits |
$4.8B
+5.6% YoY+0.1% QoQ
|
$-49.1M |
$4.9B
+2.2% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
53% |
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| ROA |
0.7%
+87.8% YoY+26.2% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
38% |
| NIM |
3.4%
+6.5% YoY+1.9% QoQ
|
+0.5% |
2.9%
+3.9% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
74% |
| Efficiency Ratio |
69.8%
-6.5% YoY-1.2% QoQ
|
+1.7% |
68.1%
-1.7% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
56% |
| Delinquency Rate |
1.0%
-4.6% YoY+7.9% QoQ
|
+0.3 |
0.6%
-2.2% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Top 14.7% in tier |
| Loan To Share |
104.4%
-2.0% YoY+1.6% QoQ
|
+20.8% |
83.6%
-5.7% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Top 5.9% in tier |
| AMR |
$27,140
+2.2% YoY+0.3% QoQ
|
$-7K |
$34,398
+4.0% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
29% |
| CD Concentration |
31.4%
+4.6% YoY+2.0% QoQ
|
+2.5% |
28.9%
-1.3% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
62% |
| Indirect Auto % |
0.8%
-41.5% YoY-14.5% QoQ
|
-15.8% |
16.6%
-10.3% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
Bottom 14.1% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)