Simplot Credit Union
Total assets
$58.8M
▲ +2.4% YoY
Shares & deposits
$46.0M
▲ +3.7% YoY
Loans
$38.4M
▼ -1.7% YoY
Members
5,482
▼ -2.9% YoY
ROA (annualized)
0.74%
peers 0.60%
ROE (annualized)
3.43%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | Simplot Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +1.3% | +1.1 pts |
| Share growth (YoY) | +3.7% | +0.7% | +3.0 pts |
| Loan growth (YoY) | -1.7% | -2.4% | +0.6 pts |
| ROA | 0.74% | 0.60% | +0.1 pts |
| ROE | 3.4% | 4.1% | -0.7 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
Profile
- Established
- 1955
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- Po Box 2519, Pocatello, ID, 83201
- NCUA charter #
- 63405
- RSSD ID
- 157397
- 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 | $58.8M | $46.0M | $38.4M | $12.7M | $109K | 0.74% | 4.27% | 0.38% | 5,482 |
| Q4 2025 | $58.8M | $46.0M | $38.8M | $12.1M | $555K | 0.94% | 4.28% | 0.73% | 5,516 |
| Q3 2025 | $56.7M | $43.6M | $39.1M | $10.2M | $-2.1M | -5.05% | 4.46% | 0.76% | 5,584 |
| Q2 2025 | $56.9M | $43.8M | $39.4M | $12.4M | $270K | 0.95% | 4.33% | 0.89% | 5,645 |
| Q1 2025 | $57.4M | $44.3M | $39.0M | $12.2M | $118K | 0.82% | 4.22% | 0.89% | 5,644 |
| Q4 2024 | $56.3M | $43.7M | $39.1M | $12.1M | $785K | 1.39% | 4.27% | 0.96% | 5,646 |
| Q3 2024 | $55.1M | $42.6M | $39.3M | $11.9M | $574K | 1.39% | 4.34% | 0.72% | 5,666 |
| Q2 2024 | $54.9M | $43.1M | $39.3M | $11.7M | $389K | 1.42% | 4.31% | 0.85% | 5,674 |
Loan mix (Q1 2026): real estate $11.8M · commercial $0 · consumer $21.0M · securities $12.8M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Simplot Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.60% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 4.1% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.83% | 70th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.3% | 81.5% | 38th | |
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 | Simplot 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 | Simplot 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 | Simplot 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 | Simplot 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.
Similar credit unions
- Metro Federal Credit UnionArlington Heigh, IL · $78.7M
- Cove Federal Credit UnionEdgewood, KY · $78.8M
- Bay Cities Credit UnionHayward, CA · $78.8M
- Castparts Employees Federal Credit UnionPortland, OR · $78.9M
- Enbright Credit UnionNashville, TN · $78.9M
- Texan Sky Federal Credit UnionDumas, TX · $78.9M
Selling to Simplot Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.