# SIMPLOT
POCATELLO, ID · NCUA charter 63405 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/simplot-63405

Who the members are: state charter, organized 1955, low-income designated. 5,482 members of 10,000 potential (54.8% of the field); checking penetration 35% (share draft accounts per 100 members); loans per 100 members 61.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $58.8M |
| Members | 5,482 (-2.9% YoY) |
| Full-time staff | 13 |
| Net worth | $12.7M |
| Net worth ratio | 21.6% (p94 of band) |
| ROA (annualized) | 0.74% (p53 of band) |
| Total delinquency | 0.38% (p36 of band) |
| Net charge-offs (annualized) | 0.48% (p69 of band) |
| Loans / shares | 83% (p87 of band) |
| Cash / assets | 28.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.27% (p82 of band) |
| Operating expense / assets | 3.41% (p45 of band) |
| Vehicles % of loans | 46% (p57 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 1% (p56 of band) |
| Vehicle delinquency | 0.67% (p56 of band) |
| Vehicle NCO | 0.83% (p78 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 29% |
| Average share balance | $5,535 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $150,447 |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $11,384 |
| Loans granted, annualized | $12.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $150,447 outstanding purchased (1.2% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 3.7% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | losing money, charge-offs p90, members leaving | delinquency 2x band |
| 2017-06 | 3 | assets shrinking | charge-offs p90 |
| 2017-09 | 2 |  | losing money |
| 2017-12 | 0 |  | members leaving, assets shrinking |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 0 |  | delinquency rising |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | net worth falling, delinquency rising |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 0 |  | delinquency rising |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 0 |  | delinquency rising |
| 2023-03 | 1 | loans>95% of shares |  |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 1 |  | loans>95% of shares |
| 2023-12 | 2 | losing money |  |
| 2024-03 | 1 |  | losing money |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 | members leaving | delinquency rising |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 1 | net worth falling | members leaving, delinquency rising |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 1 | losing money |  |
| 2025-12 | 0 |  | losing money |
| 2026-03 | 0 |  |  |

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

- 2026-06-30 [First Pocatello Municipal Band concert rescheduled to take place Sunday - Idaho State Journal](https://news.google.com/rss/articles/CBMi-AFBVV95cUxOTnJuUFNCdmljUHd4YnFvX3NkQndQMGl3QkRjMjB6TXF3OERsZ0x6RkQ0Z3RoM1ZPRG56Qkd3Q21QdnVVTWVZVDkybU44UlppN19FOWd2alVSU25hZ3k4NVdWSVByalhGX3djc3hMQVRBQWxIZE5Zc2VBVXhWYUtUcmN5N0V3dHV4d3VhclMzNUlhTWpmT1lGX0NwaldOVVUtSm4wdzJEN3Q3b09RdnRGSXI0c1lWTG13TGJBOWQwbG8teUVmaXVpVU9DVGN3aXVfSUZQSnl2V3dKT2NzaDJGVVM3eXM1bnZZWGlJTUhpUWJ0VzUxTUxxVw?oc=5) · Idaho State Journal
- 2026-02-17 [Simplot Games bring Olympic gold medalists, 2,000-plus athletes to Pocatello this week - Idaho State Journal](https://news.google.com/rss/articles/CBMijAJBVV95cUxPckF4eHFaMkVPZ3JGb01QMXdrZXFxenNrbWRRSDBYY3NZV1IwS3dGZU1QUEt6NGtld09aOTJiS0FEekYzNUVRbEV2clUzanYyM3F5ZV9rT2tCVHdxZmlidThVZGVsWUxvV2NCcDZsN3pfMHBBVTBQWWZCVGMxZ3hCVWtmMnFNX0RMalo0TUtpTEZIX1NZemMzdjRrUUhhak1nREZGZ2NlTzFWTS1mUElCU2NtV0Fqek4yZVJCY1kwcWVmQk55azJkMWxRYTlwc2syNXR2WmxnMWVMS0JXREFCZEY5bm1XQ3ZjNGh5NkRpT2JPTVoxWkhQUkJkV29XNm5ORncyZHZSeHVnV3hY?oc=5) · Idaho State Journal
- 2024-06-18 [Mark Mccollum Obituary Jan 23, 2015 - wilksfuneralhomes.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE9hbFdUQ2hjaEhGcEI5SW9HRTlzbUhKbVdkZF9jSFRTdVFzMlFXRzU4Y1I3YnRSYVVzMHdYT2JESnVtMXNGMUxxVXltUEdkM3dPVGlHZlBTd1B0aFUzcXJ2UVY0Q2Q4bkVyMUE?oc=5) · wilksfuneralhomes.com
- 2013-09-24 [Pocatello Simplot Credit Union Moves to New Location - Idaho State Journal](https://news.google.com/rss/articles/CBMi3AFBVV95cUxPcEFDbGloelQ4dVpxcDc5QnBPdXpidUlOZ0FDLWJHS1BVM2cxaWVjOS01Yk9XbVVvS0dvVTJfUXVNNmRuMXZUSEZhM2hwOWJMbUdCSUFiSmRQcW1RMmNZTXRwLWxzYnc3RzdNeE5sdXI1NE5IZFZzcWhGcHpVeHdrZFI1WDJ5ME5ObUt4Rl9heEVvdFZONnFGSEtQUmw3S203bHdHbWFndmhMTzBDY1BFMzVyZDlCdFUxNDZOcndEN1A3bkZHWVlkSk1xLWwtc1V0d3UwOTB0a0pHd1ZK?oc=5) · Idaho State Journal
- 2015-10-03 [Janette Irene Losh Obituary Oct 3, 2015 - wilksfuneralhomes.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE9VYWZlRWplNkZMQ0Jsc1VTNXZLTHBNTzE5N3FHbWZ3RzFoVFh2TXpuekVCemR6M3hPTktHdzlDRWxUTG5uRjZTOG1nYk1VM1RQbFlrUHQ0cmFKYXBRdXNNcmZaNkZYbWhDR0dQd3JjX2k?oc=5) · wilksfuneralhomes.com
- 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
- 2021-07-21 [Simplot pays $65K EPA penalty for pesticides violations - Idaho State Journal](https://news.google.com/rss/articles/CBMi4wFBVV95cUxQTTQ1dktoOU5Ob3I3X3lxd0FXZmZNOXBVX2d5RUM4VUlydG9ES0NiY21nVVluOGtfbXJodTIxa3RXREJBQ1MtajRjVUpvbFd1WDc3SEhSSlV0S3BpRUV2QVc4N21Fcjk5TklYaTE3VnZiQ1pMRGNSc0x1VE9BZFc5WXFLZS12LWdVMEJVYktMbzA2VXFxYzMybTBGRVlmU3RDcHdmRmJzT3IzTWx5anVzQmdvckN2dEdvZGw5VmF4NzVrRzJWeEY4NGJ2SkpBcGxRU2J1a21TYldPdEhZVXNuVXI4NA?oc=5) · Idaho State Journal
- 2025-03-09 [Authorities respond to injured bull moose near Interstate 86, Simplot plant - Idaho State Journal](https://news.google.com/rss/articles/CBMi_gFBVV95cUxObjBrcVFYejhNZEhLX3VqMTJIYWZWdTFHNHNHM1BnRFRlUUp2YnlCYm5aaDFaY2hUTkZsX1NUckFZcV9GVEFtOTAwMnhmeTl1UDQtWk9EUTNzOFhnM0tpSFNjZlJsdDlPOU9rVE5yYzR6ZXEybWJ1YjhiRmtZajk1bFppaDFmM0NidG1kcEJZZXZRUVNWMm4yNE9URm85Sk9RMTc2bGg0OHp3SGV0Z2x5ejZEQl9uaGNfU3QwWUF3UElvakI5YWUxR1pocGhvNnB5Yl9DT2dxUXVUcGZodm5VQWttZW42VXdqMkhyQjU2T1p0c2hDVmhLQXBwNlVxZw?oc=5) · Idaho State Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63405 (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/45.json (key "63405", 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=63405
- 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