Baxter Credit Union (NCUA charter #68187) is based in Vernon Hills, Illinois. Its Q2 2026 call report shows $6.4B in total assets and $5.0B in member shares and deposits and 33 offices across 12 states.
Based on its Q2 2026 filing, Baxter Credit Union scores 60/100, which we describe as moderate. That is higher than only 25% of 454 credit unions with $1 billion – $10 billion. Among 188 credit unions headquartered in Illinois, it ranks 157th. Its strongest component is problem-loan coverage (86/100; 7.1%), and its lowest is earnings (49/100; 0.72%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (58 → 60), mostly because the earnings component improved by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 56 |
| Q4 2024 | 55 |
| Q1 2025 | 57 |
| Q2 2025 | 58 |
| Q3 2025 | 59 |
| Q4 2025 | 60 |
| Q1 2026 | 60 |
| Q2 2026 | 60 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.04% |
| Q3 2024 | 10.23% |
| Q4 2024 | 10.12% |
| Q1 2025 | 9.92% |
| Q2 2025 | 9.98% |
| Q3 2025 | 10.12% |
| Q4 2025 | 10.15% |
| Q1 2026 | 10.10% |
| Q2 2026 | 10.25% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.90% |
| Q3 2024 | 1.00% |
| Q4 2024 | 1.06% |
| Q1 2025 | 0.83% |
| Q2 2025 | 0.88% |
| Q3 2025 | 0.95% |
| Q4 2025 | 0.93% |
| Q1 2026 | 0.84% |
| Q2 2026 | 0.86% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.36% |
| Q3 2024 | 0.37% |
| Q4 2024 | 0.38% |
| Q1 2025 | 0.35% |
| Q2 2025 | 0.55% |
| Q3 2025 | 0.69% |
| Q4 2025 | 0.70% |
| Q1 2026 | 0.63% |
| Q2 2026 | 0.72% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $6.4B | 10.25% | 0.86% | 0.72% | 104.2% |
| Q1 2026 | 60 | $6.5B | 10.10% | 0.84% | 0.63% | 99.0% |
| Q4 2025 | 60 | $6.3B | 10.15% | 0.93% | 0.70% | 102.7% |
| Q3 2025 | 59 | $6.2B | 10.12% | 0.95% | 0.69% | 104.4% |
| Q2 2025 | 58 | $6.2B | 9.98% | 0.88% | 0.55% | 102.7% |
| Q1 2025 | 57 | $6.2B | 9.92% | 0.83% | 0.35% | 99.0% |
| Q4 2024 | 55 | $6.0B | 10.12% | 1.06% | 0.38% | 107.2% |
| Q3 2024 | 56 | $5.9B | 10.23% | 1.00% | 0.37% | 106.6% |
| Q2 2024 | 55 | $5.9B | 10.04% | 0.90% | 0.36% | 105.8% |
454 peers · $1 billion – $10 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| State Farm Federal Credit UnionCredit union Bloomington, IL | 79 out of 100, Strong | $5.7B | 13.0% | 0.31% | vs |
| Consumers Credit UnionCredit union lake Forest, IL | 59 out of 100, Moderate | $4.6B | 9.0% | 0.86% | vs |
| Citizens Equity First Credit UnionCredit union Peoria, IL | 71 out of 100, Strong | $8.5B | 11.7% | 0.96% | vs |
| Credit Union 1Credit union Lombard, IL | 68 out of 100, Moderate | $2.9B | 10.9% | 1.35% | vs |
| I. H. Mississippi Valley Credit UnionCredit union Moline, IL | 61 out of 100, Moderate | $2.3B | 9.1% | 0.86% | vs |
| Empeople Credit UnionCredit union Moline, IL | 58 out of 100, Moderate | $2.3B | 8.3% | 0.59% | vs |
Deposit insurance
Is my money safe at Baxter Credit Union?
Yes. Baxter Credit Union is a federally insured credit union (NCUA charter #68187). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 14.2% of shares and deposits ($712.7M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 10.25%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
33 locations
Branches
Baxter Credit Union lists 33 offices in 32 cities across 12 states. Most locations:
- Vernon Hills, IL (2)
- Aibonito, PR (1)
- Anasco, PR (1)
- Arroyo, PR (1)
- Brooklyn Park, MN (1)
- Cleveland, MS (1)
- Crystal Lake, IL (1)
- Deerfield, IL (1)
- Draper, UT (1)
- Dublin, OH (1)
- Eden Prairie, MN (1)
- Golden Valley, MN (1)
HMDA 2025
Mortgage lending
In 2025, Baxter Credit Union reported 5,495 home-loan applications under HMDA (LEI 549300S8SHBRCI7UU819): 3,223 originated ($881,115,000 total), 1,093 denied, and 85 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Baxter Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68187
- RSSD ID
- 858975
- Primary regulator
- State + NCUA
- Established
- 1980
- Headquarters
- 340 N Milwaukee Ave, Vernon Hills, IL 60061
- Employees
- 776
Quick answers
Baxter Credit Union: common questions
Is Baxter Credit Union NCUA insured?
Yes. Baxter Credit Union is a federally insured credit union (NCUA charter #68187). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Baxter Credit Union's TellerScore?
60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Baxter Credit Union have?
33 offices as of the latest NCUA data, in 12 states.
Nearby
Highest-scoring banks and credit unions with branches near Vernon Hills
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Eagle BankBank Chicago, IL | 91 out of 100, Very strong | $649.6M | 21.3% | 0.10% | vs |
| Abbott Laboratories Credit UnionCredit union Gurnee, IL | 89 out of 100, Very strong | $1.1B | 14.5% | 0.11% | vs |
| Northwest Municipal Federal Credit UnionCredit union Des Plaines, IL | 86 out of 100, Very strong | $41.4M | 13.7% | 0.09% | vs |
| 1st Equity BankBank Skokie, IL | 85 out of 100, Very strong | $130.0M | 16.5% | 0.00% | vs |
| A.A.E.C. Credit UnionCredit union Arlington Heigh, IL | 84 out of 100, Strong | $118.9M | 13.0% | 0.02% | vs |
| Liberty Bank for SavingsBank Chicago, IL | 84 out of 100, Strong | $868.6M | 24.0% | 0.04% | vs |