BlastPoint's Credit Union Scorecard

CONNECTICUT LABOR DEPT

Charter #3544 · CT

2556 CUs in <100M nationally 43 in CT

CONNECTICUT LABOR DEPT has 3 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.17% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Members Per Employee (MPE): Top 7.4% in tier

Key Concerns

Areas that may need attention

  • - Loan-to-Share Ratio: Bottom 8.3% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Members 1,202
-1.8% YoY+3.1% QoQ
-1.4K 2,615
-1.9% YoY
14,275
+6.6% YoY
33,374
+5.7% YoY
33%
Assets $14.4M
+3.8% YoY+1.3% QoQ
$-15.7M $30.1M
+2.1% YoY
$241.1M
+14.1% YoY
$561.6M
+9.7% YoY
40%
Loans $3.3M
-12.5% YoY-5.1% QoQ
$-12.5M $15.8M
-1.3% YoY
$136.5M
+14.4% YoY
$397.0M
+8.8% YoY
25%
Deposits $12.0M
+2.8% YoY+1.0% QoQ
$-13.7M $25.7M
+1.4% YoY
$211.2M
+13.7% YoY
$477.3M
+9.7% YoY
40%

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Tier 1
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Performance signatures (strengths & concerns)
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ROA 0.8%
-24.5% YoY+23.5% QoQ
+0.2% 0.6%
+10.8% YoY
0.6%
+43.4% YoY
0.7%
+15.9% YoY
56%
NIM 3.3%
+2.0% YoY-6.7% QoQ
-0.6% 4.0%
+4.0% YoY
3.6%
+1.8% YoY
3.8%
+5.1% YoY
28%
Efficiency Ratio 71.0%
-1.9% YoY-3.1% QoQ
-11.6% 82.6%
-2.3% YoY
81.1%
-1.3% YoY
79.7%
-3.3% YoY
29%
Delinquency Rate 0.2%
-86.3% YoY+25.5% QoQ
-1.3 1.6%
-3.1% YoY
1.5%
+7.3% YoY
1.3%
-2.1% YoY
29%
Loan To Share 27.5%
-14.9% YoY-6.0% QoQ
-33.1% 60.6%
-3.1% YoY
54.6%
-1.8% YoY
67.4%
-1.7% YoY
Bottom 8.2% in tier
AMR $12,762
+0.9% YoY-3.4% QoQ
$-2K $14,783
-1.4% YoY
$17,243
+6.0% YoY
$19,687
+2.0% YoY
44%
CD Concentration 8.9%
+14.7% YoY+39.9% QoQ
-15.5% 24.4% 14.6% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 4.6% 7.8% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2556 peers in tier

Top Strengths (2 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
190
Members Per Employee (MPE)
engagement
Value: 601.000
Peer Median: -
#190 of 2556 Top 7.4% in <100M tier

Top Weaknesses (4 metrics)

2345
Loan-to-Share Ratio
balance_sheet
Value: 27.53%
Peer Median: -
#2345 of 2556 Bottom 8.3% in <100M tier
2176
Loan Growth Rate
growth
Value: -12.49%
Peer Median: -
#2176 of 2556 Bottom 14.9% in <100M tier
2026
Loan-to-Member Ratio (LMR)
engagement
Value: $2,755
Peer Median: -
#2026 of 2556 Bottom 20.8% in <100M tier
2020
Net Charge-Off Rate
risk
Value: 0.78%
Peer Median: -
#2020 of 2556 Bottom 21.0% in <100M tier
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