BlastPoint's Credit Union Scorecard
SIMPLOT
Charter #63405 · ID
SIMPLOT has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.34% above tier average
- + Net Interest Margin 0.41% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.3% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,516
-2.3% YoY-1.2% QoQ
|
+2.9K |
2,615
-1.9% YoY
|
54,272
+7.9% YoY
|
33,374
+5.7% YoY
|
Top 11.2% in tier |
| Assets |
$58.8M
+4.3% YoY+3.7% QoQ
|
+$28.7M |
$30.1M
+2.1% YoY
|
$970.0M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
82% |
| Loans |
$38.8M
-0.7% YoY-0.8% QoQ
|
+$23.0M |
$15.8M
-1.3% YoY
|
$802.2M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
Top 11.4% in tier |
| Deposits |
$46.0M
+5.3% YoY+5.5% QoQ
|
+$20.3M |
$25.7M
+1.4% YoY
|
$828.5M
+12.5% YoY
|
$477.3M
+9.7% YoY
|
79% |
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| ROA |
1.0%
-31.8% YoY-119.1% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.8%
+25.2% YoY
|
0.7%
+15.9% YoY
|
64% |
| NIM |
4.4%
+1.0% YoY-2.0% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.7%
+5.8% YoY
|
3.8%
+5.1% YoY
|
69% |
| Efficiency Ratio |
66.9%
+2.4% YoY+7.0% QoQ
|
-15.7% |
82.6%
-2.3% YoY
|
73.6%
-4.6% YoY
|
79.7%
-3.3% YoY
|
21% |
| Delinquency Rate |
0.7%
-24.0% YoY-4.0% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
0.9%
-20.4% YoY
|
1.3%
-2.1% YoY
|
51% |
| Loan To Share |
84.2%
-5.7% YoY-6.0% QoQ
|
+23.6% |
60.6%
-3.1% YoY
|
84.8%
-0.9% YoY
|
67.4%
-1.7% YoY
|
84% |
| AMR |
$15,376
+4.9% YoY+3.8% QoQ
|
+$593 |
$14,783
-1.4% YoY
|
$24,417
+3.6% YoY
|
$19,687
+2.0% YoY
|
58% |
| CD Concentration |
28.0%
+20.6% YoY+3.8% QoQ
|
+3.6% | 24.4% | 27.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.9% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)