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
Call Report peers
SIMPLICITY in the assets neighbourhood
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
SIMPLICITY sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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).
SIMPLICITY in Wisconsin
- Wisconsin health ordinal: #53 of 100.
- Wisconsin assets place: #21 of 100.
- Wisconsin membership ordinal: #21 of 100.
- One place up in Wisconsin, TAYLOR (#52) ties at 89/100; one place down, Wisconsin Medical (#54) scores 88/100, 1 point lower.
SIMPLICITY Call Report trajectory
SIMPLICITY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $531.8M (2025Q4) to $533.4M (2026Q1).
- Net-worth ratio shifted +0.18 pp (9.72% → 9.90%).
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
SIMPLICITY gives up 11 points in total. Delinquency Rate costs the most, 5.4 of its 25; Return on Assets scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is SIMPLICITY financially healthy?
SIMPLICITY has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,319 of 4,374 nationally on health and #53 of 100 in Wisconsin. Its net worth ratio is 9.90% and its delinquency rate 1.05%.
How does SIMPLICITY compare to other credit unions?
SIMPLICITY scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (94.59% vs 83.90%). Its widest shortfall is net worth ratio (9.90% vs 11.18%).
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?
SIMPLICITY is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.