SIMPLOT
Charter #63405 | ID
<100M
(2596 CUs)
Micro
($0-$500M)
9 <100M in ID
SIMPLOT has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.52% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 5.72% below tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,584
-1.4% YoY-1.1% QoQ
|
+3.0K |
2,625
-2.2% YoY
|
53,577
+7.1% YoY
|
33,089
+6.1% YoY
|
Top 11.1% in tier |
| Assets |
$56.7M
+2.9% YoY-0.4% QoQ
|
+$26.8M |
$29.9M
+1.1% YoY
|
$936.8M
+11.3% YoY
|
$547.7M
+7.8% YoY
|
Top 18.8% in tier |
| Loans |
$39.1M
-0.5% YoY-0.8% QoQ
|
+$23.3M |
$15.8M
-2.4% YoY
|
$777.6M
+12.0% YoY
|
$388.7M
+8.6% YoY
|
Top 11.1% in tier |
| Deposits |
$43.6M
+2.4% YoY-0.4% QoQ
|
+$18.2M |
$25.5M
+0.4% YoY
|
$812.6M
+12.3% YoY
|
$464.6M
+9.3% YoY
|
Top 22.3% in tier |
| ROA |
-5.0%
-462.4% YoY-633.4% QoQ
|
-5.7% |
0.7%
-731.4% YoY
|
0.6%
-15.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.0% in tier |
| NIM |
4.5%
+2.3% YoY+3.2% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
72nd in tier |
| Efficiency Ratio |
62.5%
-4.4% YoY-3.0% QoQ
|
-18.9% |
81.4%
-2.4% YoY
|
73.1%
-2.3% YoY
|
79.1%
-3.3% YoY
|
Bottom 17.5% in tier |
| Delinquency Rate |
0.8%
+5.6% YoY-13.7% QoQ
|
-0.7 |
1.5%
-2.0% YoY
|
0.9%
-2.1% YoY
|
1.2%
-0.9% YoY
|
54th in tier |
| Loan To Share |
89.6%
-2.8% YoY-0.5% QoQ
|
+28.4% |
61.2%
-3.0% YoY
|
85.6%
-1.1% YoY
|
68.0%
-1.7% YoY
|
Top 11.2% in tier |
| AMR |
$14,815
+2.5% YoY+0.5% QoQ
|
+$188 |
$14,627
-2.7% YoY
|
$24,176
+3.9% YoY
|
$19,418
+1.3% YoY
|
56th in tier |
| CD Concentration |
27.0%
+21.4% YoY+2.8% QoQ
|
+2.6% |
24.4%
+4.2% YoY
|
27.1%
+1.8% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
12.1%
-5.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
287
Total Loans
balance_sheet
Value:
$39.11M
Peer Avg: $15.77M
#287 of 2596
Top 11.0% in <100M tier
288
Loan-to-Share Ratio
balance_sheet
Value:
89.65%
Peer Avg: 61.23%
#288 of 2596
Top 11.1% in <100M tier
289
Total Members
engagement
Value:
5,584
Peer Avg: 2,626
#289 of 2596
Top 11.1% in <100M tier
456
Efficiency Ratio
profitability
Value:
62.48%
Peer Avg: 81.39%
#456 of 2596
Top 17.5% in <100M tier
487
Total Assets
balance_sheet
Value:
$56.68M
Peer Avg: $29.86M
#487 of 2596
Top 18.7% in <100M tier
578
Total Deposits
balance_sheet
Value:
$43.62M
Peer Avg: $25.45M
#578 of 2596
Top 22.2% in <100M tier
Top Weaknesses (2 metrics)
2570
Return on Assets (ROA)
profitability
Value:
-5.04%
Peer Avg: 0.68%
#2570 of 2596
Bottom 1.0% in <100M tier
2049
Share Certificate Concentration (%)
balance_sheet
Value:
27.01%
Peer Avg: 15.37%
#2049 of 2596
Bottom 21.1% in <100M tier