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
- DELQ 88/100
- ROA 21.6%
- ASSETS 0.73%
- MEM 1.34%
- RANK $58.8M
- PHOTO 5,516
- BOOK #1,378/4,374
- CHARTER Falls Catholic
- NCUSIF 63405
Call Report peers
SIMPLOT in the assets neighbourhood
SIMPLOT's $58.8M assets sit next to Falls Catholic ($58.8M) 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.
SIMPLOT 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
88 Top 35% higher than 65% 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
SIMPLOT - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #63405, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
SIMPLOT: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 84.25% here, 62.60% peer average (+21.65 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for ID only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
SIMPLOT: 2025Q4 → 2026Q1
SIMPLOT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.0% from $58.8M (2025Q4) to $58.8M (2026Q1).
- Net-worth ratio shifted +0.97 pp (20.59% → 21.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
SIMPLOT's nationwide photo peers by assets and by health score, excluding Idaho charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($58.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Idaho credit unions compare overall before assuming this one is typical. Idaho 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 SIMPLOT financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - SIMPLOT's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,378 of 4,374; by total assets it ranks #2,276 of 4,374 nationally (same basis as /rankings/largest); and #20 of 26 within Idaho. Above 80 reads excellent, below 50 warrants closer monitoring; a 21.56% net worth ratio and 0.73% delinquency rate are the key drivers.
How does SIMPLOT compare to other credit unions?
Five weighted metrics from NCUA filings produce SIMPLOT's 88/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 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?
Federal credit unions like SIMPLOT 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. SIMPLOT's net worth ratio of 21.56% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SIMPLOT offer compared to banks?
Credit unions like SIMPLOT 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 SIMPLOT 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.