| Metric | Simplot Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +1.3% | +2.4 pts |
| Share growth (YoY) | +5.1% | +0.9% | +4.2 pts |
| Loan growth (YoY) | -5.4% | -2.6% | -2.8 pts |
| ROA | 1.03% | 0.65% | +0.4 pts |
| ROE | 4.7% | 4.4% | +0.3 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $59.0M | $46.0M | $37.3M | $12.9M | $305K | 1.03% | 4.31% | 0.30% | 5,496 |
| 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% |
| Ratio | Simplot Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 0.65% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 4.4% | 53rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,666 |
| Q2 2024 | $54.9M | $43.1M | $39.3M | $11.7M | $389K | 1.42% | 4.31% | 0.85% | 5,674 |
Loan mix (Q2 2026): real estate $11.4M · commercial $0 · consumer $20.5M · securities $14.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.5% | 80.6% | 31st |
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% |
| 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% |
| Ratio | Simplot Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| 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% |
| 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% |
| 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% |
The full ratio pack is part of CharterBench Pro.
2 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Canyon, ID, ranked 27th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Canyon, ID | 1 | $23.0M* | 0.44% | 27th |
| Bannock, ID | 1 | $23.0M* | 0.87% | 17th |
Idaho: 57th with 0.07% · Pocatello metro: 17th, 0.87% · Boise City metro: 42nd, 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2 · 2026 2