BlastPoint's Credit Union Scorecard
NUTMEG STATE FINANCIAL
Charter #68657 · CT
NUTMEG STATE FINANCIAL has 8 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
- + Organic Growth Leader: Top 1.7% in tier
- + Organic Growth Engine: Top 34.3% in tier
- + 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
- - Credit Risk Growth: Bottom 4.4% in tier
- - Credit Quality Pressure: Bottom 25.6% in tier
- - Liquidity Strain: Bottom 42.3% in tier
- - Indirect Auto Dependency: Bottom 54.3% in tier
- - Efficiency Drag: Bottom 98.7% in tier
- - ROA 0.12% below tier average
- - Efficiency ratio 6.52% above tier (higher cost structure)
- - Delinquency rate 0.01% above tier average
- - 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% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| 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 (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)