Credit Union Safety Analysis
Is Simplicity Credit Union Safe? Marshfield, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Simplicity Credit Union has a net worth ratio of 9.82%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.22%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Simplicity Credit Union's net worth ratio is 9.82%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.82%
- Delinquency ratio (60+ days) (Q2 2026): 1.22%
- Return on assets (Q2 2026): 0.64%
- Loan-to-share ratio (Q2 2026): 93.20%
Simplicity Credit Union (NCUA charter 66678, established 1949) reported $546.7M in assets and 29,138 members for Q2 2026 from Marshfield, Wisconsin. It ranks 21 of 98 credit unions in Wisconsin by total assets. Total assets grew 5.3% from $519.0M on June 30, 2025. It has 773 more members than on June 30, 2025 (+2.7%). Its net worth ratio was up 0.30 percentage points from 9.52% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $246.2M of $454.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.22% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 9.90% for Q1 2026; 9.52% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.79% for Q1 2026; 1.16% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.82% for Q1 2026; 1.03% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 93.40% for Q1 2026; 93.82% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $246.2M
- Used vehicle loans: $90.1M
- Commercial loans: $55.3M
- Other secured non-real estate loans and lines of credit: $25.9M
- New vehicle loans: $20.7M
- Other unsecured loans and lines of credit: $10.6M
- Unsecured credit card loans: $5.6M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $546.7M | 9.82% | 1.22% | 0.64% | 93.20% |
| March 31, 2026 | $533.4M | 9.90% | 0.79% | 0.82% | 93.40% |
| December 31, 2025 | $531.8M | 9.72% | 1.05% | 0.76% | 94.59% |
| September 30, 2025 | $522.0M | 9.71% | 1.28% | 0.99% | 95.45% |
| June 30, 2025 | $519.0M | 9.52% | 1.16% | 1.03% | 93.82% |
| March 31, 2025 | $508.0M | 9.46% | 0.77% | 0.86% | 95.01% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Simplicity Credit Union profile
Regulator records: NCUA credit union profile (charter 66678) · FFIEC NIC profile (RSSD 852599)
Frequently asked questions
Is Simplicity Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Simplicity Credit Union's net worth ratio is 9.82%, above the 7% NCUA threshold for well capitalized.
Is Simplicity Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Simplicity Credit Union is a federally insured credit union (NCUA charter 66678): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Simplicity Credit Union's key safety ratios?
For Q2 2026, Simplicity Credit Union reports net worth 9.82%, delinquency 1.22%, ROA 0.64%, loan-to-share 93.20%.
What happens to my money if Simplicity Credit Union fails?
For Q2 2026, Simplicity Credit Union held $487.5M in shares and deposits for 29,138 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.