BlastPoint's Credit Union Scorecard

CONNECTICUT LABOR DEPT

Charter #3544 · CT

<100M

2508 CUs in <100M nationally 43 in CT

CONNECTICUT LABOR DEPT has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

CT Analysis

How does CT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.45% above tier average
+ Members Per Employee (MPE): Top 7.3% in tier

Key Concerns

Areas that may need attention

- Loan-to-Share Ratio: Bottom 8.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Members	1,205 +1.9% YoY+0.2% QoQ	-1.5K	2,676 +1.6% YoY	14,157 +8.2% YoY	33,913 +5.7% YoY	34%
Assets	$14.4M +2.7% YoY-0.4% QoQ	$-15.8M	$30.2M +1.3% YoY	$246.5M +13.9% YoY	$578.3M +9.0% YoY	40%
Loans	$3.1M -12.2% YoY-6.7% QoQ	$-12.2M	$15.3M -2.0% YoY	$136.3M +13.4% YoY	$402.4M +8.7% YoY	25%
Deposits	$12.0M +2.0% YoY-0.5% QoQ	$-13.8M	$25.8M +0.7% YoY	$217.1M +13.8% YoY	$494.3M +9.1% YoY	40%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% -162.1% YoY-24.1% QoQ	+0.5%	0.1% -77.6% YoY	0.6% +218.7% YoY	0.4% -39.2% YoY	50%
NIM	2.9% +1.0% YoY-11.1% QoQ	-1.1%	4.0% +4.0% YoY	3.6% +1.6% YoY	3.8% +4.1% YoY	17%
Efficiency Ratio	82.6% +1.1% YoY+16.4% QoQ	-8.0%	90.6% +6.5% YoY	83.6% -6.8% YoY	84.6% +2.8% YoY	53%
Delinquency Rate	0.1% -51.0% QoQ	-1.4	1.5% +3.8% YoY	2.5% +122.5% YoY	1.2% +3.4% YoY	24%
Loan To Share	25.8% -13.9% YoY-6.2% QoQ	-32.7%	58.5% -3.0% YoY	52.8% -1.3% YoY	65.6% -1.4% YoY	Bottom 7.9% in tier
AMR	$12,498 -3.1% YoY-2.1% QoQ	$-2K	$14,884 -1.7% YoY	$17,581 +5.9% YoY	$19,920 +1.6% YoY	42%
CD Concentration	9.0% +21.6% YoY+1.0% QoQ	-15.3%	24.3%	14.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	4.5%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

185

Members Per Employee (MPE)

engagement

Value: 602.500

Peer Median: 333.750

#185 of 2508 Top 7.3% in <100M tier

444

Member Growth Rate

growth

Value: 1.86%

Peer Median: -1.37%

#444 of 2508 Top 17.7% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

598

Total Delinquency Rate (60+ days)

risk

Value: 0.12%

Peer Median: 0.65%

#598 of 2508 Top 23.8% in <100M tier

Top Weaknesses (6 metrics)

2309

Loan-to-Share Ratio

balance_sheet

Value: 25.81%

Peer Median: 58.72%

#2309 of 2508 Bottom 8.0% in <100M tier

2083

Net Interest Margin (NIM)

profitability

Value: 2.94%

Peer Median: 3.83%

#2083 of 2508 Bottom 17.0% in <100M tier

2078

Loan Growth Rate

growth

Value: -12.21%

Peer Median: -2.36%

#2078 of 2508 Bottom 17.2% in <100M tier

2021

Loan-to-Member Ratio (LMR)

engagement

Value: $2,564

Peer Median: $4,923

#2021 of 2508 Bottom 19.5% in <100M tier

1900

AMR Growth Rate

growth

Value: -3.12%

Peer Median: 1.27%

#1900 of 2508 Bottom 24.3% in <100M tier

1889

Total Loans

balance_sheet

Value: $3.09M

Peer Median: $9.48M

#1889 of 2508 Bottom 24.7% in <100M tier