BlastPoint's Credit Union Scorecard
CONNECTICUT STATE EMPLOYEES
Charter #65728 · CT
CONNECTICUT STATE EMPLOYEES has 8 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does CT stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 42.9% in tier
- + Organic Growth Engine: Top 65.8% in tier
- + Organic Growth Leader: Top 65.8% in tier
- + Efficiency Ratio: Top 0.3% in tier
- + Members Per Employee (MPE): Top 0.3% in tier
- + Net Charge-Off Rate: Top 1.0% in tier
- + Total Deposits: Top 1.6% in tier
- + Total Delinquency Rate (60+ days): Top 2.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 41.6% in tier
- - ROA 0.10% below tier average
- - Loan-to-Share Ratio: Bottom 0.3% in tier
- - Total Loans: Bottom 0.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.7% in tier
- - Net Interest Margin (NIM): Bottom 1.0% in tier
- - Fee Income Per Member: Bottom 1.3% in tier
- - First Mortgage Concentration (%): Bottom 4.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
69,685
+0.8% YoY+0.0% QoQ
|
-26.4K |
96,048
-2.7% YoY
|
14,157
+8.2% YoY
|
33,913
+5.7% YoY
|
27% |
| Assets |
$2.7B
+6.7% YoY+2.5% QoQ
|
+$982.6M |
$1.7B
+0.4% YoY
|
$246.5M
+13.9% YoY
|
$578.3M
+9.0% YoY
|
Top 7.8% in tier |
| Loans |
$418.1M
-5.1% YoY-1.3% QoQ
|
$-795.7M |
$1.2B
+0.2% YoY
|
$136.3M
+13.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 0.3% in tier |
| Deposits |
$2.5B
+6.5% YoY+2.9% QoQ
|
+$1.0B |
$1.5B
+0.5% YoY
|
$217.1M
+13.8% YoY
|
$494.3M
+9.1% YoY
|
Top 2.0% in tier |
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| ROA |
0.6%
+42.9% YoY+22.5% QoQ
|
-0.1% |
0.7%
+27.6% YoY
|
0.6%
+218.7% YoY
|
0.4%
-39.2% YoY
|
45% |
| NIM |
1.1%
+18.9% YoY+9.7% QoQ
|
-2.3% |
3.4%
+6.2% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 0.7% in tier |
| Efficiency Ratio |
44.5%
-18.7% YoY-11.7% QoQ
|
-30.1% |
74.6%
-3.0% YoY
|
83.6%
-6.8% YoY
|
84.6%
+2.8% YoY
|
Top 0.3% in tier |
| Delinquency Rate |
0.1%
-40.6% QoQ
|
-0.7 |
0.8%
+6.9% YoY
|
2.5%
+122.5% YoY
|
1.2%
+3.4% YoY
|
Top 2.0% in tier |
| Loan To Share |
16.9%
-10.9% YoY-4.1% QoQ
|
-66.2% |
83.2%
-0.4% YoY
|
52.8%
-1.3% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.1% in tier |
| AMR |
$41,426
+3.8% YoY+2.3% QoQ
|
+$12K |
$29,652
+2.3% YoY
|
$17,581
+5.9% YoY
|
$19,920
+1.6% YoY
|
Top 7.8% in tier |
| CD Concentration |
25.1%
+16.8% YoY+1.0% QoQ
|
-3.7% | 28.8% | 14.5% | 19.8% | 34% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 4.5% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (1)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)