BAXTER

Charter #68187 | IL

5B-7B (34 CUs) Large (64 CUs)
2 5B-7B in IL

BAXTER has 8 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 20.5% in tier
  • + Emerging Performer: Top 24.1% in tier
  • + Organic Growth Engine: Top 27.7% in tier
  • + Organic Growth Leader: Top 27.7% in tier
  • + Wallet Share Momentum: Top 28.2% 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
 Top 23.5% in tier
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
 68th in tier
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
 53rd in tier
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
 38th in tier
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
 74th in tier
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
 56th in tier
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
 29th in tier
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
 62nd in tier
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 (5)

Relationship Depth Leader

growth
#25 of 46 • Top 20.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.21%
(Tier: 2.82%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.4K
(Tier: $3.2K, National: $2.0K)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | New qualifier

Emerging Performer

growth
#22 of 31 • Top 24.1% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.69%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 2.19%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
31 of 64 Large CUs have this signature | 852 nationally
→ Stable (27→31 CUs) +4 CUs YoY

Organic Growth Engine

growth
#42 of 50 • Top 27.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.19%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.69%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.79%
(Tier: 16.60%, National: 7.90%)
better than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY

Organic Growth Leader

growth
#24 of 28 • Top 27.7% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.19%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
28 of 64 Large CUs have this signature | 608 nationally
→ Stable (28→28 CUs) | Rank worsening

Wallet Share Momentum

growth
#34 of 46 • Top 28.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.21%
(Tier: 2.82%, National: 4.19%)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | New qualifier

Concerns (1)

Liquidity Strain

risk
#6 of 32 • Bottom 5.9% in tier

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

Why This Signature
Loan-to-Share Ratio: 104.40%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 3.42%
(Tier: 4.99%, National: 36.38%)
worse than tier avg
32 of 64 Large CUs have this signature | 484 nationally
→ Stable (27→32 CUs) +5 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)

Comparing against 34 peers in tier

Top Strengths (7 metrics)

2
Fee Income Per Member
profitability
Value: $350.50
Peer Avg: $213.89
#2 of 34 Top 2.9% in 5B-7B tier
2
Loan-to-Share Ratio
balance_sheet
Value: 104.40%
Peer Avg: 83.64%
#2 of 34 Top 2.9% in 5B-7B tier
5
Total Loans
balance_sheet
Value: $5.05B
Peer Avg: $4.08B
#5 of 34 Top 11.8% in 5B-7B tier
7
Indirect Auto Concentration (%)
balance_sheet
Value: 0.79%
Peer Avg: 14.61%
#7 of 34 Top 17.6% in 5B-7B tier
8
Total Members
engagement
Value: 364,451
Peer Avg: 289,725
#8 of 34 Top 20.6% in 5B-7B tier
9
Net Interest Margin (NIM)
profitability
Value: 3.36%
Peer Avg: 2.90%
#9 of 34 Top 23.5% in 5B-7B tier
9
Members Per Employee (MPE)
engagement
Value: 472.087
Peer Avg: 430.688
#9 of 34 Top 23.5% in 5B-7B tier

Top Weaknesses (2 metrics)

31
Net Charge-Off Rate
risk
Value: 1.09%
Peer Avg: 0.57%
#31 of 34 Bottom 11.8% in 5B-7B tier
30
Total Delinquency Rate (60+ days)
risk
Value: 0.95%
Peer Avg: 0.62%
#30 of 34 Bottom 14.7% in 5B-7B tier