# SIMPLICITY
Marshfield, WI · NCUA charter 66678 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/simplicity-66678

Who the members are: state charter, organized 1949. 28,839 members of 450,000 potential (6.4% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 73.

**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 | $533.4M |
| Members | 28,839 (2.1% YoY) |
| Full-time staff | 115 |
| Net worth | $52.8M |
| Net worth ratio | 9.9% (p40 of band) |
| ROA (annualized) | 0.82% (p61 of band) |
| Total delinquency | 0.79% (p66 of band) |
| Net charge-offs (annualized) | 0.27% (p35 of band) |
| Loans / shares | 93% (p88 of band) |
| Cash / assets | 3.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.65% (p67 of band) |
| Operating expense / assets | 3.84% (p64 of band) |
| Vehicles % of loans | 25% (p40 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p7 of band) |
| Vehicle delinquency | 1.79% (p93 of band) |
| Vehicle NCO | 0.71% (p40 of band) |
| Repossessed % of vehicle book | 0.08% (p61 of band) |
| Real estate % of loans | 54% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 105% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 26% |
| Average share balance | $7,378 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 73% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $21,104 |
| Loans granted, annualized | $177.4M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | delinquency rising |  |
| 2017-09 | 0 |  | delinquency rising |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | delinquency rising |  |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 0 |  | margin squeeze |
| 2022-03 | 2 | thin capital, net worth falling |  |
| 2022-06 | 0 |  | thin capital, net worth falling |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | loans>95% of shares |  |
| 2023-12 | 2 | net worth falling |  |
| 2024-03 | 1 |  | loans>95% of shares |
| 2024-06 | 1 |  |  |
| 2024-09 | 4 | delinquency rising, loans>95% of shares, leaning on borrowings |  |
| 2024-12 | 3 |  | net worth falling |
| 2025-03 | 2 |  | leaning on borrowings |
| 2025-06 | 1 |  | loans>95% of shares |
| 2025-09 | 2 | loans>95% of shares |  |
| 2025-12 | 0 |  | delinquency rising, loans>95% of shares |
| 2026-03 | 0 |  |  |

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

- 2025-09-23 [Wisconsin Court of Appeals Affirms Primacy of UCC Safe-Harbor Pre- and Post-Sale Notices After Repossession - Husch Blackwell](https://news.google.com/rss/articles/CBMi6AFBVV95cUxONUNzZTJrSXBvM2R5VnFwcTdBejZJTHFBUlkwS3BWYm9xVmw0elRjRzVJM2FpQmFKOUNuU2Nvbk51bEYzTlNTdDFQdnRtMEEyTXVEWExIalkySm5TZ20zM0RQd0tveWdTZnBwSFNKM0ZxNU9ZNlB6dGlUT011dHV5bWlzbE96ZzJBOXp0OWo0Z2FxbldpODdyRkYxLWU4OGZkS1Y3VFJvWmZPSFF2Nk5HOWd2amdZUGNxLXlOWW1sVHVxeUFOc0kwTlN1cjRPTmF6VUFWRXE1emZFMmFfV3U0NVV2MU9RVExK?oc=5) · Husch Blackwell
- 2024-12-19 [Marshfield credit union targeted by ATM 'jackpot' theft. Here's what that means. - Marshfield News-Herald](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQR0p1LWhJMnRxT01VN00zTGpOU1JTbVFjSTNqclBSb0RDSXBQMHZsSTBsaEdKLWJHcmwxRklDLTdpVHlzcjdPS1BQbFVDbHFsQkxSaUhLLUNfYTVBZTJEVUhMdGJWUHZya2lSMzBkVXZwODEwQmZDUGVtdS13VW5BeGpJaWNOTWNLTXNLT291aUFjODNCQWtoRTg1dVo3VV9PWk10UVRuMXJjdzRibTBReXpnM2FrVXJHLXZIY3QxSU5reWZJeVRYSXFtTXR5Sk5RT1piNXktNEdPdw?oc=5) · Marshfield News-Herald
- 2024-12-17 [Simplicity Credit Union ATM "Jackpotted" Over the Weekend in Marshfield - onfocus.news](https://news.google.com/rss/articles/CBMimwFBVV95cUxOM19za2NCS1pzVFh1cDI3WkRUdF9GNXRNSWRZSGJHS213RHVWV3ptTmoySTdfeWU4X2FXeU5wZ2hkTzVkQVBSdGhfSHBqcTJfRnhMUV81Z3FSNjRicGM0M1JBVkxrd3pDS19CNkFBT2xsR3ZvVExub3VyU3NHd0xkeWItTmVOc3VqWHcyQmtzRy1hVGk2UGFZTEEzTQ?oc=5) · onfocus.news
- 2026-07-21 [Third defendant in Marshfield ATM ‘jackpotting’ theft gets probation - Wisconsin Law Journal](https://news.google.com/rss/articles/CBMinAFBVV95cUxQdEVTNm1wc2RYaktmNHJQYXNXQ2ktSm96Vm9VdTdqWmdkUFpGVk9FaE1lZWsxbzBLZTlBMWxmNUh1RFNmQXB2QW41TzVPNHZhNTNtbFgxbzJqeUUzbXM0d2RBLVR5V1IwbWpzbG1uX1dEMV9fd2hTTVpiZ3l3TmdJdTNuUnVjTE9tTWMxTHJjMFBWa0pOdGdBTHljVFk?oc=5) · Wisconsin Law Journal
- 2025-10-18 [City releases 2025 Economic Profile - Hub City Times](https://news.google.com/rss/articles/CBMigAFBVV95cUxObWlrY1NESmRfZjhhZkVSRDlMdFhLd2xvS2RhSEhWalZMV05Nd1FyX2M0OU40NWdFODJFN0ZTUklJbFBEb0t2cDBldGFyeENLRlFJaHhxcWE2ZEQ0QUhVUFNQUS0wTllPeHFJMGhvS3hjMHhNSmxwaFhfeWNXb1FybQ?oc=5) · Hub City Times
- 2023-03-09 [Violet M. Knoll Obituary Mar 9, 2023 - Pisarski Funeral Homes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1ObGNkbnlEdmlJWU45M2tWYkNrVU5EYUJoMFlId1FDeU5hZkh6ZnBoNkc2dzVSQ3ZqSHlHREdoY2JCVEdwbmN3enZsdEtwZTR4QnAzbUlDN3pHTWdBVFpyRTFXNkdOWnVj?oc=5) · Pisarski Funeral Homes
- 2021-02-18 [Patricia "Pat" A. Wesenberg Obituary - Stevens Point Journal](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE45d2d2bTJBYi14LTNOVGZEdzNMNE45cDhFMVNOak5jUW1FZUtLeVJreXNmZkZkbmVrc1FaWTBHSFplTXJ6ZGFmcG1PWjE1THZuMjB6OGdrYnY5UklzUTlWNTFzd2FXaDA?oc=5) · Stevens Point Journal
- 2026-01-28 [Centergy names new 2026 board and officers to boost Central WI growth - Wausau Daily Herald](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPSTF3V1BRVDV3WUtyYkFqVzZhVDAwd3pfQjg5YjZCdHM2RzVQZWNNOEFuZkY3RDBoajFOZkFUbmVtQ0EySGV4a2ZsbVlVQldfd0E5am9KZ0tTT21xVkk0VDJfSV9uUUR5cXJ6Mk9XMVZ6QjZabDlUYjhIcU5xYklPcFItQ3ZLS1E1dXdpT1Jnd19UOTFPeExnZWFsVEpCQU5QS1FwOW1ZeGZaTTRraU9TaFBsUFp0cWRTWUpMeG5KeWFBVnVTR2VWMFpOS18zc0dGOU9STzFPdTJadEZvc3BJ?oc=5) · Wausau Daily Herald

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66678 (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/54.json (key "66678", 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=66678
- 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