BlastPoint's Credit Union Scorecard
BAXTER
Charter #68187 · IL
BAXTER has 6 strengths but faces 6 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 56.2% in tier
- + Organic Growth Engine: Top 56.2% in tier
- + Emerging Performer: Top 66.7% in tier
- + Net Interest Margin 0.24% above tier average
- + Fee Income Per Member: Top 2.7% in tier
- + Loan-to-Share Ratio: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 9.1% in tier
- - Credit Risk Growth: Bottom 43.8% in tier
- - Credit Quality Pressure: Bottom 54.7% in tier
- - ROA 0.23% below tier average
- - Efficiency ratio 1.20% above tier (higher cost structure)
- - Delinquency rate 0.14% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
369,985
+2.4% YoY+0.5% QoQ
|
+62.2K |
307,793
+7.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
76% |
| Assets |
$6.5B
+4.2% YoY+2.6% QoQ
|
+$731.7M |
$5.8B
-0.2% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
84% |
| Loans |
$5.2B
+5.3% YoY+0.4% QoQ
|
+$1.0B |
$4.2B
+0.4% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
84% |
| Deposits |
$5.2B
+5.4% YoY+4.1% QoQ
|
+$321.0M |
$4.9B
+0.2% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
70% |
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| ROA |
0.6%
+74.7% YoY-10.7% QoQ
|
-0.2% |
0.9%
+47.0% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
38% |
| NIM |
3.4%
+4.4% YoY+1.0% QoQ
|
+0.2% |
3.2%
+9.8% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
60% |
| Efficiency Ratio |
67.8%
-6.4% YoY-1.4% QoQ
|
+1.2% |
66.6%
-11.0% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
46% |
| Delinquency Rate |
0.8%
+1.7% YoY-9.4% QoQ
|
+0.1 |
0.7%
+23.3% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
73% |
| Loan To Share |
99.0%
-0.0% YoY-3.5% QoQ
|
+14.3% |
84.7%
-0.7% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
Top 10.8% in tier |
| AMR |
$28,062
+2.8% YoY+1.7% QoQ
|
$-4K |
$32,237
-7.3% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
32% |
| CD Concentration |
30.2%
+4.6% YoY-4.5% QoQ
|
+1.6% | 28.6% | 14.0% | 19.8% | 54% |
| Indirect Auto % |
0.6%
-45.2% YoY-14.3% QoQ
|
-15.8% | 16.4% | 7.2% | 7.7% | 15% |
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 (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)