BlastPoint's Credit Union Scorecard
NUTMEG STATE FINANCIAL
Charter #68657 · CT
NUTMEG STATE FINANCIAL 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
- + Net Interest Margin 0.51% above tier average
- + Strong member growth: 21.9% YoY
- + Asset Growth Rate: Top 0.9% in tier
- + Loan Growth Rate: Top 0.9% in tier
- + Member Growth Rate: Top 1.8% in tier
- + Deposit Growth Rate: Top 1.8% in tier
- + Total Loans: Top 8.1% in tier
- + Members Per Employee (MPE): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 0.9% in tier
- - Credit Risk Growth: Bottom 1.5% in tier
- - Liquidity Strain: Bottom 5.2% in tier
- - Efficiency Drag: Bottom 30.6% in tier
- - Credit Quality Pressure: Bottom 49.0% in tier
- - ROA 0.30% below tier average
- - Efficiency ratio 8.21% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 4.5% 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 111 credit unions with $750M-$1B in assets nationally, and 1 of 1 that size in Connecticut.
- Shares and deposits +27.3% year over year ($760M in shares and deposits).
- Membership: 66,866 members, +21.9% vs a year ago.
- Delinquency rate 0.75%.
- Return on assets 0.54%.
- Efficiency ratio 82.74% vs a 74.54% peer average.
- Loan-to-share ratio 97.53% vs a 82.60% 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 |
66,866
+21.9% YoY+0.3% QoQ
|
+14.4K |
52,482
+1.3% YoY
|
14,203
+5.8% YoY
|
34,678
+6.6% YoY
|
85% |
| Assets |
$916.5M
+31.1% YoY+3.5% QoQ
|
+$52.5M |
$863.9M
+0.5% YoY
|
$248.5M
+12.0% YoY
|
$593.1M
+10.2% YoY
|
70% |
| Loans |
$741.1M
+27.6% YoY+6.7% QoQ
|
+$133.3M |
$607.8M
+2.1% YoY
|
$139.3M
+11.4% YoY
|
$418.6M
+10.1% YoY
|
Top 9.0% in tier |
| Deposits |
$759.9M
+27.3% YoY+1.0% QoQ
|
+$19.9M |
$739.9M
+0.2% YoY
|
$217.7M
+11.5% YoY
|
$504.8M
+10.3% YoY
|
61% |
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| ROA |
0.5%
-9.6% YoY+9.5% QoQ
|
-0.3% |
0.8%
+30.4% YoY
|
1.1%
+193.3% YoY
|
1.2%
+121.4% YoY
|
34% |
| NIM |
4.0%
+4.1% YoY+0.3% QoQ
|
+0.5% |
3.5%
+6.2% YoY
|
3.6%
-1.0% YoY
|
3.8%
+2.3% YoY
|
82% |
| Efficiency Ratio |
82.7%
+2.0% YoY-1.8% QoQ
|
+8.2% |
74.5%
-1.4% YoY
|
90.9%
-27.8% YoY
|
83.0%
-5.3% YoY
|
79% |
| Delinquency Rate |
0.7%
+3.5% YoY+5.1% QoQ
|
+0.0 |
0.8%
+1.0% YoY
|
1.4%
+21.8% YoY
|
1.3%
+2.6% YoY
|
64% |
| Loan To Share |
97.5%
+0.2% YoY+5.6% QoQ
|
+14.9% |
82.6%
+1.9% YoY
|
53.6%
-1.6% YoY
|
66.4%
-1.4% YoY
|
Top 14.4% in tier |
| AMR |
$22,447
+4.6% YoY+3.4% QoQ
|
$-6K |
$28,702
+0.4% YoY
|
$17,514
+4.9% YoY
|
$20,028
-0.9% YoY
|
26% |
| CD Concentration |
29.3%
-13.7% YoY+0.4% QoQ
|
+4.8% | 24.6% | 14.9% | 20.0% | 68% |
| Indirect Auto % |
19.4%
-10.3% YoY+2.1% QoQ
|
+5.7% | 13.6% | 4.3% | 7.7% | 71% |
Signature Analysis
Strengths (0)
Concerns (5)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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.
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)