Credit Union Safety Analysis
Is Baxter Credit Union Safe? Vernon Hills, Illinois
Based on its Q2 2026 NCUA 5300 call report, Baxter Credit Union has a net worth ratio of 10.25%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.86%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Baxter Credit Union's net worth ratio is 10.25%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.25%
- Delinquency ratio (60+ days) (Q2 2026): 0.86%
- Return on assets (Q2 2026): 0.80%
- Loan-to-share ratio (Q2 2026): 104.21%
Baxter Credit Union (NCUA charter 68187, established 1982) reported $6.40B in assets and 372,377 members for Q2 2026 from Vernon Hills, Illinois. It ranks 3 of 185 credit unions in Illinois by total assets. Total assets grew 3.6% from $6.18B on June 30, 2025. It has 10,249 more members than on June 30, 2025 (+2.8%). Its net worth ratio was up 0.27 percentage points from 9.98% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $2.86B of $5.25B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.86% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 10.10% for Q1 2026; 9.98% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.84% for Q1 2026; 0.88% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.63% for Q1 2026; 0.74% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 99.02% for Q1 2026; 102.75% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $2.86B
- Used vehicle loans: $791.6M
- New vehicle loans: $529.0M
- Unsecured credit card loans: $380.1M
- Other unsecured loans and lines of credit: $343.4M
- Commercial loans: $160.5M
- Non-federally guaranteed student loans: $102.3M
- Other secured non-real estate loans and lines of credit: $78.7M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $6.40B | 10.25% | 0.86% | 0.80% | 104.21% |
| March 31, 2026 | $6.50B | 10.10% | 0.84% | 0.63% | 99.02% |
| December 31, 2025 | $6.34B | 10.15% | 0.93% | 0.77% | 102.67% |
| September 30, 2025 | $6.24B | 10.12% | 0.95% | 0.97% | 104.40% |
| June 30, 2025 | $6.18B | 9.98% | 0.88% | 0.74% | 102.75% |
| March 31, 2025 | $6.24B | 9.92% | 0.83% | 0.35% | 99.04% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 68187) · FFIEC NIC profile (RSSD 858975)
Frequently asked questions
Is Baxter Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Baxter Credit Union's net worth ratio is 10.25%, above the 7% NCUA threshold for well capitalized.
Is Baxter Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Baxter Credit Union is a federally insured credit union (NCUA charter 68187): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Baxter Credit Union's key safety ratios?
For Q2 2026, Baxter Credit Union reports net worth 10.25%, delinquency 0.86%, ROA 0.80%, loan-to-share 104.21%.
What happens to my money if Baxter Credit Union fails?
For Q2 2026, Baxter Credit Union held $5.04B in shares and deposits for 372,377 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.