# SIMPLOT EMPLOYEES
Caldwell, ID · NCUA charter 61179 · asset band <$50M · latest filing 2023-06 · stopped filing after 2023-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/simplot-employees-61179

Who the members are: state charter, organized 1956, low-income designated. 4,294 members of 8,500 potential (50.5% of the field); checking penetration 25% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $22.2M |
| Members | 4,294 (-1.9% YoY) |
| Full-time staff | 6 |
| Net worth | $3.3M |
| Net worth ratio | 15.1% (p63 of band) |
| ROA (annualized) | 0.64% (p53 of band) |
| Total delinquency | 0.25% (p37 of band) |
| Net charge-offs (annualized) | 0.44% (p77 of band) |
| Loans / shares | 67% (p63 of band) |
| Cash / assets | 24.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.13% (p79 of band) |
| Operating expense / assets | 4.11% (p75 of band) |
| Vehicles % of loans | 74% (p74 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 14% (p89 of band) |
| Vehicle delinquency | 0.16% (p42 of band) |
| Vehicle NCO | 0.19% (p73 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 14% |
| Average share balance | $3,385 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 44% |
| Average loan balance | $6,207 |
| Loans granted, annualized | $6.9M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | losing money |  |
| 2017-06 | 3 | net worth falling |  |
| 2017-09 | 4 | delinquency rising |  |
| 2017-12 | 3 |  | net worth falling |
| 2018-03 | 1 |  | losing money, delinquency rising |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | net worth falling |  |
| 2020-03 | 2 | losing money | net worth falling |
| 2020-06 | 1 |  | losing money |
| 2020-09 | 4 | net worth falling, delinquency rising, loan book shrinking |  |
| 2020-12 | 5 | members leaving |  |
| 2021-03 | 5 | margin squeeze | loan book shrinking |
| 2021-06 | 4 |  | net worth falling |
| 2021-09 | 4 | losing money | delinquency rising |
| 2021-12 | 4 |  |  |
| 2022-03 | 4 | net worth falling | margin squeeze |
| 2022-06 | 3 |  | net worth falling |
| 2022-09 | 3 | delinquency rising | members leaving |
| 2022-12 | 3 | assets shrinking | losing money |
| 2023-03 | 3 |  |  |
| 2023-06 | 2 |  | assets shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-11-24 [Simplot donates over $125K to United Way of Southeastern Idaho - Idaho State Journal](https://news.google.com/rss/articles/CBMi6AFBVV95cUxPem1IbEVZUDNra29vc0xYMmhMY1pMWXd3eXg5alJnTnFfemJSbWZxOHNhVXhNUFdXOEZGSFlWa3Y2aUlMNFFaTkZqcVJIbTd1cElKTmd0aWpVc1hzdzh3eUZmUHlJV094alBfdkJHUkRJbnVmV1JhZ2dlY3lxMmhaOHJlRjM5VGJYaXhjSzdWbWduZUtqWGxlOXg3cW95ZTJibWxnemRyWGhKYWQ5VzNjOUpkY040MXRoYlc2Tmw0WVBRYkxzNHNNa0JvU3FlVDA5UEJ4X1Vaa0pUUXZXUG5UenRMZlJFYThi?oc=5) · Idaho State Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61179 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/59.json (key "61179", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=61179
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide