BlastPoint's Credit Union Scorecard
SIMPLOT
Charter #63405 · ID
SIMPLOT has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.42% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.46% below tier average
- - Member decline: -2.6% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 5 that size in Idaho.
- Shares and deposits +5.1% year over year ($46.0M in shares and deposits).
- Membership: 5,496 members, -2.6% vs a year ago.
- Delinquency rate 0.30%.
- Return on assets 1.04%.
- Efficiency ratio 72.48% vs a 88.77% peer average.
- Loan-to-share ratio 81.04% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,496
-2.6% YoY+0.3% QoQ
|
+2.9K |
2,585
-1.7% YoY
|
72,350
+37.4% YoY
|
34,678
+6.6% YoY
|
Top 10.9% in tier |
| Assets |
$59.0M
+3.7% YoY+0.4% QoQ
|
+$28.7M |
$30.3M
+1.5% YoY
|
$1.3B
+42.1% YoY
|
$593.1M
+10.2% YoY
|
82% |
| Loans |
$37.3M
-5.4% YoY-2.7% QoQ
|
+$21.8M |
$15.5M
-1.7% YoY
|
$1.1B
+44.8% YoY
|
$418.6M
+10.1% YoY
|
Top 12.1% in tier |
| Deposits |
$46.0M
+5.1% YoY+0.1% QoQ
|
+$20.2M |
$25.8M
+1.1% YoY
|
$1.1B
+40.5% YoY
|
$504.8M
+10.3% YoY
|
80% |
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| ROA |
1.0%
+9.6% YoY+40.2% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
0.8%
-11.7% YoY
|
1.2%
+121.4% YoY
|
62% |
| NIM |
4.3%
+0.2% YoY+1.2% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
3.6%
+0.7% YoY
|
3.8%
+2.3% YoY
|
70% |
| Efficiency Ratio |
72.5%
+12.5% YoY-5.0% QoQ
|
-16.3% |
88.8%
-6.9% YoY
|
77.8%
+6.1% YoY
|
83.0%
-5.3% YoY
|
31% |
| Delinquency Rate |
0.3%
-66.2% YoY-20.9% QoQ
|
-1.2 |
1.5%
+2.1% YoY
|
0.7%
-36.1% YoY
|
1.3%
+2.6% YoY
|
32% |
| Loan To Share |
81.0%
-10.0% YoY-2.9% QoQ
|
+22.2% |
58.9%
-3.1% YoY
|
87.8%
+3.1% YoY
|
66.4%
-1.4% YoY
|
82% |
| AMR |
$15,163
+2.8% YoY-1.4% QoQ
|
+$201 |
$14,963
-6.8% YoY
|
$26,672
+11.3% YoY
|
$20,028
-0.9% YoY
|
56% |
| CD Concentration |
29.3%
+11.7% YoY+1.0% QoQ
|
+4.8% | 24.6% | 31.4% | 20.0% | 50% |
| Indirect Auto % | 0.2% | -13.4% | 13.6% | 14.2% | 7.7% | 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)