BlastPoint's Credit Union Scorecard
NUTMEG STATE FINANCIAL
Charter #68657 · CT
NUTMEG STATE FINANCIAL has 6 strengths but faces 8 concerns
How does the industry compare?
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How does CT stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.12% above tier average
- + Strong member growth: 24.5% YoY
- + Member Growth Rate: Top 0.9% in tier
- + Asset Growth Rate: Top 0.9% in tier
- + Loan Growth Rate: Top 1.7% in tier
- + Deposit Growth Rate: Top 1.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 1.5% in tier
- - Credit Risk Growth: Bottom 2.5% in tier
- - Liquidity Strain: Bottom 12.3% in tier
- - Credit Quality Pressure: Bottom 13.5% in tier
- - Efficiency Drag: Bottom 36.3% in tier
- - ROA 0.12% below tier average
- - Efficiency ratio 6.52% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 6.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
66,360
+24.5% YoY+19.7% QoQ
|
+14.3K |
52,084
-1.6% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
84% |
| Assets |
$888.8M
+27.5% YoY+24.0% QoQ
|
+$24.9M |
$863.9M
+0.5% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
57% |
| Loans |
$687.9M
+24.0% YoY+14.8% QoQ
|
+$82.1M |
$605.8M
+1.4% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
76% |
| Deposits |
$743.8M
+27.3% YoY+24.6% QoQ
|
+$6.5M |
$737.3M
+0.1% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
58% |
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| ROA |
0.6%
+74.0% YoY-1.5% QoQ
|
-0.1% |
0.7%
+39.1% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
44% |
| NIM |
3.5%
+3.5% YoY-9.0% QoQ
|
+0.1% |
3.4%
+8.7% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
57% |
| Efficiency Ratio |
80.9%
-3.7% YoY-0.9% QoQ
|
+6.5% |
74.3%
-3.6% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
73% |
| Delinquency Rate |
0.9%
+75.2% YoY+7.4% QoQ
|
+0.0 |
0.9%
+3.8% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
65% |
| Loan To Share |
92.5%
-2.6% YoY-7.9% QoQ
|
+9.9% |
82.6%
+1.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
77% |
| AMR |
$21,574
+1.0% YoY-0.0% QoQ
|
$-7K |
$28,873
+2.7% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
26% |
| CD Concentration |
31.1%
-2.2% YoY-14.8% QoQ
|
+6.7% | 24.4% | 14.6% | 19.8% | 74% |
| Indirect Auto % |
19.4%
-3.2% YoY-11.6% QoQ
|
+5.6% | 13.8% | 4.6% | 7.8% | 70% |
Signature Analysis
Strengths (0)
Concerns (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)