BlastPoint's Credit Union Scorecard
CONNECTICUT STATE EMPLOYEES
Charter #65728 · CT
CONNECTICUT STATE EMPLOYEES has 11 strengths but faces 9 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
- + Credit Quality Leader: Top 10.6% in tier
- + Organic Growth Engine: Top 26.4% in tier
- + Organic Growth Leader: Top 31.6% in tier
- + Relationship Depth Leader: Top 77.3% in tier
- + Efficiency Ratio: Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.3% in tier
- + Members Per Employee (MPE): Top 0.3% in tier
- + Total Delinquency Rate (60+ days): Top 2.6% in tier
- + Total Deposits: Top 3.9% in tier
- + Average Member Relationship (AMR): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 26.9% in tier
- - ROA 0.18% below tier average
- - Fee Income Per Member: Bottom 0.7% in tier
- - Loan-to-Share Ratio: Bottom 0.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.0% in tier
- - Total Loans: Bottom 1.0% in tier
- - Net Interest Margin (NIM): Bottom 1.3% in tier
- - First Mortgage Concentration (%): Bottom 4.6% in tier
- - Net Worth Ratio: Bottom 6.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
69,494
+1.1% YoY+0.2% QoQ
|
-29.2K |
98,678
-1.9% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
25% |
| Assets |
$2.6B
+5.9% YoY+0.6% QoQ
|
+$862.6M |
$1.7B
+0.5% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
Top 11.5% in tier |
| Loans |
$432.5M
-4.1% YoY-1.2% QoQ
|
$-800.5M |
$1.2B
+0.5% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 0.7% in tier |
| Deposits |
$2.4B
+5.9% YoY+0.5% QoQ
|
+$905.1M |
$1.5B
+1.3% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
Top 4.3% in tier |
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| ROA |
0.5%
+50.7% YoY+9.6% QoQ
|
-0.2% |
0.7%
+13.4% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
38% |
| NIM |
1.0%
+22.7% YoY+4.7% QoQ
|
-2.3% |
3.3%
+9.3% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 1.0% in tier |
| Efficiency Ratio |
49.7%
-16.5% YoY-4.4% QoQ
|
-24.3% |
74.0%
-10.9% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.0% in tier |
| Delinquency Rate |
0.1%
+6.6% YoY+66.6% QoQ
|
-0.7 |
0.8%
+6.1% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 2.6% in tier |
| Loan To Share |
18.3%
-9.4% YoY-1.6% QoQ
|
-66.9% |
85.2%
-0.8% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 0.3% in tier |
| AMR |
$40,175
+3.0% YoY+0.0% QoQ
|
+$11K |
$29,172
+2.8% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
Top 9.2% in tier |
| CD Concentration |
23.6%
+18.2% YoY+4.9% QoQ
|
-5.4% |
29.0%
+0.7% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
25% |
| Indirect Auto % | 0.0% | -18.8% |
18.8%
-3.0% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (4)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
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 (<20%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
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)