State credit union · POCATELLO, Idaho · NCUA charter #63405
SIMPLOT
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $58.8M
- Total assets
- 5,516
- Members
- 21.6%
- Net-worth ratio
SIMPLOT scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $58.8M; members 5,516; net-worth ratio 21.56%; health rank #1,378 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,378 of 4,374 health · 2025Q4SIMPLOT · health 88/100 · $58.8M · 2025Q4
Call Report peers
SIMPLOT in the assets neighbourhood
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SIMPLOT vs every NCUA-scored credit union
SIMPLOT sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
SIMPLOT: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 84.25% here, 62.60% peer average (+21.65 pp).
SIMPLOT in Idaho
- Idaho health ordinal: #10 of 26.
- Assets rank #20 of 26 inside Idaho ($58.8M reported).
- Membership ranks #19 of 26 among Idaho CUs with a reported count (5,516 members).
- One place up in Idaho, Idaho Central (#9) scores 91/100, 3 points higher; one place down, BEEHIVE (#11) ties at 88/100.
SIMPLOT: 2025Q4 → 2026Q1
SIMPLOT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.0% from $58.8M (2025Q4) to $58.8M (2026Q1).
- Net-worth ratio shifted +0.97 pp (20.59% → 21.56%).
At 21.56%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
SIMPLOT gives up 12 points in total. Member Growth costs the most, 10.1 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.7 pts
- Return on Assets 15.0 pts
- Member Growth 4.9 pts
- Loan-to-Share Ratio 15.4 pts
SIMPLOT health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.56% | +7.94 pp |
| Delinquency Rate | 0.73% | -0.23 pp |
| Return on Assets | 1.34% | +0.68 pp |
| Member Growth | -2.30% | - |
| Loan-to-Share Ratio | 84.25% | +21.65 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
SIMPLOT quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $58.8M | - |
| 2025Q4 | $58.8M | 5,516 |
| 2024Q4 | $56.3M | 5,646 |
| 2023Q4 | $54.9M | 6,037 |
Credit Union Details
- Charter Number
- 63405
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Idaho
- City
- POCATELLO
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for SIMPLOT, spread across 2 cities.
| Office | City |
|---|---|
| Simplot Credit Union (Main Office) | Pocatello, ID |
| Caldwell Branch | Caldwell, ID |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Idaho
Other federally-insured credit unions in Idaho, closest first by peer group and asset size.
SIMPLOT nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- SIMPLOT ranks #1,378 of 4,374 nationally on financial health and #10 of 26 in ID -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Members Preferred is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Members Preferred
Frequently Asked Questions
Is SIMPLOT financially healthy?
On its 2025Q4 NCUA 5300 filing, SIMPLOT scores 88/100 (Excellent), with a 21.56% net worth ratio and 0.73% of loans delinquent. It ranks #1,378 of 4,374 nationally on health and #10 of 26 in Idaho.
How does SIMPLOT compare to other credit unions?
SIMPLOT scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (84.25% vs 62.60%).
How can I join SIMPLOT?
Membership eligibility for SIMPLOT depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SIMPLOT directly for current membership requirements and application steps.
Is my money safe at SIMPLOT?
SIMPLOT 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. SIMPLOT's net worth ratio of 21.56% 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.