Simplicity Credit Union
Total assets
$533.4M
▲ +5.0% YoY
Shares & deposits
$475.1M
▲ +8.2% YoY
Loans
$443.8M
▲ +6.4% YoY
Members
28,839
▲ +2.1% YoY
ROA (annualized)
0.82%
peers 0.62%
ROE (annualized)
8.24%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.8% | +0.3 pts |
| Share growth (YoY) | +8.2% | +4.3% | +3.9 pts |
| Loan growth (YoY) | +6.3% | +4.3% | +2.0 pts |
| ROA | 0.82% | 0.62% | +0.2 pts |
| ROE | 8.2% | 5.9% | +2.3 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
Profile
- Established
- 1949
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 222 E Upham St, Marshfield, WI, 54449
- NCUA charter #
- 66678
- RSSD ID
- 852599
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $533.4M | $475.1M | $443.8M | $52.8M | $1.1M | 0.82% | 3.65% | 0.79% | 28,839 |
| Q4 2025 | $531.8M | $457.5M | $432.7M | $51.7M | $4.7M | 0.89% | 3.52% | 1.05% | 28,658 |
| Q3 2025 | $522.0M | $450.6M | $430.1M | $50.7M | $3.7M | 0.95% | 3.53% | 1.28% | 28,554 |
| Q2 2025 | $519.0M | $447.3M | $419.6M | $49.4M | $2.4M | 0.94% | 3.48% | 1.16% | 28,365 |
| Q1 2025 | $508.0M | $439.2M | $417.3M | $48.1M | $1.1M | 0.86% | 3.46% | 0.77% | 28,244 |
| Q4 2024 | $500.0M | $414.3M | $417.2M | $47.0M | $2.8M | 0.56% | 3.17% | 1.02% | 28,125 |
| Q3 2024 | $491.3M | $408.8M | $406.7M | $46.0M | $1.8M | 0.48% | 3.11% | 0.81% | 27,934 |
| Q2 2024 | $483.3M | $413.1M | $391.9M | $45.2M | $1.0M | 0.43% | 3.09% | 0.53% | 27,915 |
Loan mix (Q1 2026): real estate $229.4M · commercial $55.6M · consumer $125.2M · securities $46.2M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Simplicity Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 0.62% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 5.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.48% | 66th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.8% | 78.3% | 48th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Simplicity Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Simplicity Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Simplicity Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Simplicity Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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