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 Leader: Top 48.4% in tier
- + Organic Growth Engine: Top 48.4% in tier
- + Emerging Performer: Top 72.7% in tier
- + Net Interest Margin 0.26% above tier average
- + Fee Income Per Member: Top 2.6% in tier
- + Loan-to-Share Ratio: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 4.5% in tier
- - ROA 0.22% below tier average
- - Efficiency ratio 3.51% above tier (higher cost structure)
- - Delinquency rate 0.08% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 39 credit unions with $5B-$7B in assets nationally, and 1 of 2 that size in Illinois.
- Shares and deposits +4.2% year over year ($5.04B in shares and deposits).
- Membership: 372,377 members, +2.8% vs a year ago.
- Delinquency rate 0.86%.
- Return on assets 0.71%.
- Efficiency ratio 68.69% vs a 65.18% peer average.
- Loan-to-share ratio 104.21% vs a 85.64% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
372,377
+2.8% YoY+0.6% QoQ
|
+61.5K |
310,918
+6.0% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
77% |
| Assets |
$6.4B
+3.6% YoY-1.5% QoQ
|
+$612.5M |
$5.8B
-1.1% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
77% |
| Loans |
$5.2B
+5.7% YoY+1.6% QoQ
|
+$1.0B |
$4.2B
-0.7% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
85% |
| Deposits |
$5.0B
+4.2% YoY-3.5% QoQ
|
+$140.6M |
$4.9B
-1.3% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
67% |
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| ROA |
0.7%
+30.7% YoY+13.2% QoQ
|
-0.2% |
0.9%
+35.3% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
28% |
| NIM |
3.5%
+5.1% YoY+2.3% QoQ
|
+0.3% |
3.2%
+9.5% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
62% |
| Efficiency Ratio |
68.7%
-2.7% YoY+1.4% QoQ
|
+3.5% |
65.2%
-9.0% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
62% |
| Delinquency Rate |
0.9%
-2.5% YoY+2.4% QoQ
|
+0.1 |
0.8%
+23.8% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
67% |
| Loan To Share |
104.2%
+1.4% YoY+5.2% QoQ
|
+18.6% |
85.6%
-0.2% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
Top 7.7% in tier |
| AMR |
$27,615
+2.1% YoY-1.6% QoQ
|
$-4K |
$32,010
-7.3% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
31% |
| CD Concentration |
31.7%
+3.0% YoY+4.7% QoQ
|
+3.3% | 28.3% | 14.0% | 20.0% | 64% |
| Indirect Auto % |
0.5%
-47.4% YoY-16.8% QoQ
|
-16.3% | 16.8% | 6.8% | 7.7% | Top 13.6% in tier |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)