BlastPoint's Credit Union Scorecard

BAXTER

Charter #68187 · IL

Large 5B-7B

35 CUs in 5B-7B nationally 2 in IL

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BAXTER has 6 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 64.2% in tier
+ Organic Growth Leader: Top 64.3% in tier
+ Emerging Performer: Top 94.7% in tier
+ Net Interest Margin 0.32% above tier average
+ Fee Income Per Member: Top 5.7% in tier
+ Loan-to-Share Ratio: Top 5.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 28.1% in tier
- ROA 0.11% below tier average
- Efficiency ratio 1.48% above tier (higher cost structure)
- Delinquency rate 0.15% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	368,252 +2.8% YoY+1.0% QoQ	+75.9K	292,342 -2.4% YoY	21,665 +5.6% YoY	33,374 +5.7% YoY	77%
Assets	$6.3B +5.3% YoY+1.6% QoQ	+$592.4M	$5.7B -0.2% YoY	$394.9M +10.3% YoY	$561.6M +9.7% YoY	80%
Loans	$5.1B +3.5% YoY+1.8% QoQ	+$980.1M	$4.2B -1.6% YoY	$275.6M +9.5% YoY	$397.0M +8.8% YoY	Top 14.3% in tier
Deposits	$5.0B +8.1% YoY+3.6% QoQ	+$164.3M	$4.8B +0.4% YoY	$330.4M +9.6% YoY	$477.3M +9.7% YoY	63%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% +81.7% YoY+2.4% QoQ	-0.1%	0.8% +27.9% YoY	0.6% -12.3% YoY	0.7% +15.9% YoY	43%
NIM	3.4% +6.9% YoY-0.1% QoQ	+0.3%	3.0% +8.0% YoY	3.6% +3.6% YoY	3.8% +5.1% YoY	69%
Efficiency Ratio	68.8% -7.7% YoY-1.5% QoQ	+1.5%	67.3% -3.7% YoY	89.8% +8.5% YoY	79.7% -3.3% YoY	49%
Delinquency Rate	0.9% -12.2% YoY-2.5% QoQ	+0.2	0.8% +17.5% YoY	1.1% -24.1% YoY	1.3% -2.1% YoY	71%
Loan To Share	102.7% -4.3% YoY-1.7% QoQ	+16.8%	85.9% -2.6% YoY	62.0% -1.0% YoY	67.4% -1.7% YoY	Top 8.6% in tier
AMR	$27,582 +2.9% YoY+1.6% QoQ	$-7K	$34,289 +3.5% YoY	$15,477 +4.9% YoY	$19,687 +2.0% YoY	29%
CD Concentration	31.7% +5.3% YoY+0.9% QoQ	+2.5%	29.1%	14.1%	19.8%	60%
Indirect Auto %	0.7% -42.3% YoY-13.8% QoQ	-16.4%	17.1%	7.1%	7.8%	Bottom 14.9% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#35 of 54 • Top 64.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.80%

(Tier: 4.35%, National: 4.32%)

but worse than tier avg

Return on Assets: 0.70%

(Tier: 0.90%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.68%

(Tier: 17.09%, National: 7.78%)

better than tier avg

54 of 68 Large CUs have this signature | 913 nationally

→ No prior data (54 CUs now) | New qualifier

Organic Growth Leader

growth

#19 of 29 • Top 64.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.80%

(Tier: 4.35%, National: 4.32%)

but worse than tier avg

Indirect Auto %: 0.68%

(Tier: 17.09%, National: 7.78%)

better than tier avg

29 of 68 Large CUs have this signature | 609 nationally

→ No prior data (29 CUs now) | New qualifier

Emerging Performer

growth

#19 of 20 • Top 94.7% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.70%

(Tier: 0.90%, National: 0.67%)

but worse than tier avg

Member Growth (YoY): 2.80%

(Tier: 4.35%, National: 4.32%)

but worse than tier avg

20 of 68 Large CUs have this signature | 282 nationally

→ No prior data (20 CUs now) | New qualifier

Concerns (1)

Liquidity Strain

risk

#10 of 33 • Bottom 28.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 102.67%

(Tier: 84.88%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 3.51%

(Tier: 6.96%, National: 111.96%)

worse than tier avg

33 of 68 Large CUs have this signature | 439 nationally

↑ Growing +6 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 35 peers in tier

Top Strengths (7 metrics)

Fee Income Per Member

profitability

Value: $319.96

Peer Median: -

#3 of 35 Top 5.7% in 5B-7B tier

Loan-to-Share Ratio

balance_sheet

Value: 102.67%

Peer Median: -

#3 of 35 Top 5.7% in 5B-7B tier

Total Loans

balance_sheet

Value: $5.15B

Peer Median: -

#5 of 35 Top 11.4% in 5B-7B tier

Total Assets

balance_sheet

Value: $6.34B

Peer Median: -

#7 of 35 Top 17.1% in 5B-7B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.68%

Peer Median: -

#8 of 35 Top 20.0% in 5B-7B tier

Total Members

engagement

Value: 368,252

Peer Median: -

#8 of 35 Top 20.0% in 5B-7B tier

Members Per Employee (MPE)

engagement

Value: 475.778

Peer Median: -

#9 of 35 Top 22.9% in 5B-7B tier

Top Weaknesses (1 metrics)

Net Charge-Off Rate

risk

Value: 1.06%

Peer Median: -

#31 of 35 Bottom 14.3% in 5B-7B tier