BlastPoint's Credit Union Scorecard

CONNECTICUT STATE EMPLOYEES

Charter #65728 · CT

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 5 in CT

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CONNECTICUT STATE EMPLOYEES has 8 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CT Analysis

How does CT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 47.8% in tier
+ Organic Growth Engine: Top 67.7% in tier
+ Organic Growth Leader: Top 67.7% in tier
+ Efficiency Ratio: Top 0.3% in tier
+ Members Per Employee (MPE): Top 0.3% in tier
+ Total Deposits: Top 1.7% in tier
+ Net Charge-Off Rate: Top 2.3% in tier
+ Total Delinquency Rate (60+ days): Top 5.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 29.0% in tier
- ROA 0.13% below tier average
- Loan-to-Share Ratio: Bottom 0.3% in tier
- Net Interest Margin (NIM): Bottom 0.7% in tier
- Fee Income Per Member: Bottom 0.7% in tier
- Loan-to-Member Ratio (LMR): Bottom 0.7% in tier
- Total Loans: Bottom 1.0% in tier
- First Mortgage Concentration (%): Bottom 4.0% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 5 that size in Connecticut.
Shares and deposits +5.5% year over year ($2.48B in shares and deposits).
Membership: 69,851 members, +0.7% vs a year ago.
Delinquency rate 0.21%.
Return on assets 0.69%.
Efficiency ratio 41.76% vs a 73.02% peer average.
Loan-to-share ratio 17.12% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Members	69,851 +0.7% YoY+0.2% QoQ	-27.0K	96,861 -1.9% YoY	14,203 +5.8% YoY	34,678 +6.6% YoY	27%
Assets	$2.7B +5.7% YoY+0.4% QoQ	+$989.4M	$1.7B +0.4% YoY	$248.5M +12.0% YoY	$593.1M +10.2% YoY	Top 8.0% in tier
Loans	$424.5M -3.0% YoY+1.5% QoQ	$-809.8M	$1.2B +0.7% YoY	$139.3M +11.4% YoY	$418.6M +10.1% YoY	Bottom 0.7% in tier
Deposits	$2.5B +5.5% YoY+0.4% QoQ	+$1.0B	$1.5B +0.5% YoY	$217.7M +11.5% YoY	$504.8M +10.3% YoY	Top 2.0% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% +42.8% YoY+11.1% QoQ	-0.1%	0.8% +27.6% YoY	1.1% +193.3% YoY	1.2% +121.4% YoY	41%
NIM	1.1% +19.3% YoY+6.6% QoQ	-2.3%	3.4% +6.6% YoY	3.6% -1.0% YoY	3.8% +2.3% YoY	Bottom 0.3% in tier
Efficiency Ratio	41.8% -19.6% YoY-6.1% QoQ	-31.3%	73.0% -2.7% YoY	90.9% -27.8% YoY	83.0% -5.3% YoY	Top 0.3% in tier
Delinquency Rate	0.2% +171.7% YoY+104.9% QoQ	-0.7	0.9% +7.3% YoY	1.4% +21.8% YoY	1.3% +2.6% YoY	Top 5.3% in tier
Loan To Share	17.1% -8.1% YoY+1.1% QoQ	-67.6%	84.7% +0.1% YoY	53.6% -1.6% YoY	66.4% -1.4% YoY	Bottom 0.1% in tier
AMR	$41,562 +3.5% YoY+0.3% QoQ	+$12K	$29,575 +1.5% YoY	$17,514 +4.9% YoY	$20,028 -0.9% YoY	Top 7.3% in tier
CD Concentration	24.8% +10.0% YoY-1.4% QoQ	-4.3%	29.1%	14.9%	20.0%	31%
Indirect Auto %	0.0%	-18.1%	18.1%	4.3%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth

#50 of 69 • Top 47.8% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 3.49%

(Tier: 3.62%, National: 35.20%)

but worse than tier avg

Share Draft per Member: $2.4K

(Tier: $3.2K, National: $2.1K)

but worse than tier avg

69 of 377 Mid-Market CUs have this signature | 354 nationally

↑ Growing +9 CUs YoY | Rank worsening

Organic Growth Engine

growth

#94 of 113 • Top 67.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.68%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

Return on Assets: 0.69%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | Rank improving

Organic Growth Leader

growth

#107 of 112 • Top 67.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.68%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY

Concerns (1)

Credit Quality Pressure

risk

#108 of 215 • Bottom 29.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.13% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank improving

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 300 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 14.26%

#1 of 300 Top 0.1% in 1B-3B tier

Efficiency Ratio

profitability

Value: 41.76%

Peer Median: 73.62%

#2 of 300 Top 0.3% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 943.932

Peer Median: 346.173

#2 of 300 Top 0.3% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.48B

Peer Median: $1.30B

#6 of 300 Top 1.7% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.03%

Peer Median: 0.52%

#8 of 300 Top 2.3% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.21%

Peer Median: 0.70%

#17 of 300 Top 5.3% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $41,562

Peer Median: $28,089

#22 of 300 Top 7.0% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.71B

Peer Median: $1.51B

#24 of 300 Top 7.7% in 1B-3B tier

Top Weaknesses (8 metrics)

300

Loan-to-Share Ratio

balance_sheet

Value: 17.12%

Peer Median: 87.07%

#300 of 300 Bottom 0.3% in 1B-3B tier

299

Net Interest Margin (NIM)

profitability

Value: 1.12%

Peer Median: 3.46%

#299 of 300 Bottom 0.7% in 1B-3B tier

299

Fee Income Per Member

profitability

Value: $27.32

Peer Median: $204.73

#299 of 300 Bottom 0.7% in 1B-3B tier

299

Loan-to-Member Ratio (LMR)

engagement

Value: $6,077

Peer Median: $12,809

#299 of 300 Bottom 0.7% in 1B-3B tier

298

Total Loans

balance_sheet

Value: $424.46M

Peer Median: $1.14B

#298 of 300 Bottom 1.0% in 1B-3B tier

289

First Mortgage Concentration (%)

balance_sheet

Value: 63.61%

Peer Median: 33.59%

#289 of 300 Bottom 4.0% in 1B-3B tier

280

Loan Growth Rate

growth

Value: -3.03%

Peer Median: 5.71%

#280 of 300 Bottom 7.0% in 1B-3B tier

279

Net Worth Ratio

risk

Value: 8.66%

Peer Median: 10.91%

#279 of 300 Bottom 7.3% in 1B-3B tier