State credit union · Marshfield, Wisconsin · NCUA charter #66678
SIMPLICITY
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $531.8M
- Total assets
- 28,658
- Members
- 9.9%
- Net-worth ratio
SIMPLICITY scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $531.8M; members 28,658; net-worth ratio 9.90%; health rank #1,319 of 4,374; healthier than 69th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,319 of 4,374 health · 2025Q4SIMPLICITY · health 89/100 · $531.8M · 2025Q4
- BOOK 89/100
- CHARTER 9.9%
- NCUSIF 1.05%
- CAMELS 0.52%
- HEALTH $531.8M
- NW 28,658
- DELQ #1,319/4,374
- ROA Partners 1st
- ASSETS 66678
Call Report peers
SIMPLICITY in the assets neighbourhood
SIMPLICITY's $531.8M assets sit next to Partners 1st ($531.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SIMPLICITY vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
SIMPLICITY - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #66678, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where SIMPLICITY diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 94.59% vs peer 83.90% (+10.69 pp).
- Largest lag: Net Worth Ratio at 9.90% vs peer 11.18% (-1.28 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
SIMPLICITY in Wisconsin
- Wisconsin health ordinal: #53 of 100.
- Wisconsin assets place: #21 of 100.
- Wisconsin membership ordinal: #21 of 100.
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
SIMPLICITY Call Report trajectory
SIMPLICITY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $531.8M (2025Q4) to $533.4M (2026Q1).
- Net-worth ratio shifted +0.18 pp (9.72% → 9.90%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.90% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 29.8 pts
- Delinquency Rate 19.6 pts
- Return on Assets 15.0 pts
- Member Growth 11.3 pts
- Loan-to-Share Ratio 13.3 pts
SIMPLICITY health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.90% | -1.28 pp |
| Delinquency Rate | 1.05% | +0.18 pp |
| Return on Assets | 0.52% | +0.02 pp |
| Member Growth | 1.90% | - |
| Loan-to-Share Ratio | 94.59% | +10.69 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
SIMPLICITY filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $533.4M | - |
| 2025Q4 | $531.8M | 28,658 |
| 2024Q4 | $500.0M | 28,125 |
| 2023Q4 | $461.1M | 27,585 |
Credit Union Details
- Charter Number
- 66678
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Wisconsin
- City
- Marshfield
- Data Quarter
- 2025Q4
Branch Locations (9)
The NCUA branch filing lists 9 physical offices for SIMPLICITY, spread across 6 cities.
| Office | City |
|---|---|
| Marshfield (Main Office) | Marshfield, WI |
| Marshfield High School | 54449, WI |
| Loyal Schools | Loyal, WI |
| Thomas House | Marshfield, WI |
| Nasonville | Marshfield, WI |
| Neenah | Neenah, WI |
| Neillsville | Neillsville, WI |
| SPASH | Stevens Point, WI |
| Stevens Point | Stevens Point, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
A look at other Wisconsin credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near SIMPLICITY
SIMPLICITY's nationwide photo peers by assets and by health score, excluding Wisconsin charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($531.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- SIMPLICITY ranks #1,319 of 4,374 nationally on financial health and #53 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PCM is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PCM
- Rates and health both vary by institution, not just by state -- see how Wisconsin credit unions compare overall before assuming this one is typical. Wisconsin state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is SIMPLICITY financially healthy?
A 9.90% net worth ratio and a 1.05% delinquency rate feed into SIMPLICITY's financial health score of 89/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,319 of 4,374; by total assets it ranks #725 of 4,374 nationally (same basis as /rankings/largest); and #21 of 100 within Wisconsin. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does SIMPLICITY compare to other credit unions?
Five weighted metrics from NCUA filings produce SIMPLICITY's 89/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join SIMPLICITY?
Membership eligibility for SIMPLICITY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SIMPLICITY directly for current membership requirements and application steps.
Is my money safe at SIMPLICITY?
Federal credit unions like SIMPLICITY are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. SIMPLICITY's net worth ratio of 9.90% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SIMPLICITY offer compared to banks?
Credit unions like SIMPLICITY are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact SIMPLICITY directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.