BlastPoint's Credit Union Scorecard

NUTMEG STATE FINANCIAL

Charter #68657 · CT

Community 750M-1B

117 CUs in 750M-1B nationally 1 in CT

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NUTMEG STATE FINANCIAL has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

CT Analysis

How does CT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.56% above tier average
+ Strong member growth: 23.3% YoY
+ Member Growth Rate: Top 0.9% in tier
+ Asset Growth Rate: Top 0.9% in tier
+ Deposit Growth Rate: Top 1.7% in tier
+ Loan Growth Rate: Top 3.4% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 1.3% in tier
- Credit Risk Growth: Bottom 3.0% in tier
- Liquidity Strain: Bottom 9.3% in tier
- Credit Quality Pressure: Bottom 15.7% in tier
- Efficiency Drag: Bottom 29.4% in tier
- ROA 0.26% below tier average
- Efficiency ratio 8.76% above tier (higher cost structure)
- Fee Income Per Member: Bottom 4.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Members	66,654 +23.3% YoY+0.4% QoQ	+15.2K	51,500 +0.7% YoY	14,157 +8.2% YoY	33,913 +5.7% YoY	Top 13.7% in tier
Assets	$885.2M +25.9% YoY-0.4% QoQ	+$19.6M	$865.6M +0.9% YoY	$246.5M +13.9% YoY	$578.3M +9.0% YoY	59%
Loans	$694.6M +22.0% YoY+1.0% QoQ	+$99.4M	$595.3M +1.6% YoY	$136.3M +13.4% YoY	$402.4M +8.7% YoY	80%
Deposits	$752.3M +27.3% YoY+1.1% QoQ	+$10.1M	$742.2M +0.6% YoY	$217.1M +13.8% YoY	$494.3M +9.1% YoY	57%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% -8.0% YoY-20.2% QoQ	-0.3%	0.8% +45.0% YoY	0.6% +218.7% YoY	0.4% -39.2% YoY	39%
NIM	4.0% +4.3% YoY+14.0% QoQ	+0.6%	3.5% +6.1% YoY	3.6% +1.6% YoY	3.8% +4.1% YoY	84%
Efficiency Ratio	84.3% +5.0% YoY+4.2% QoQ	+8.8%	75.5% -3.4% YoY	83.6% -6.8% YoY	84.6% +2.8% YoY	80%
Delinquency Rate	0.7% +84.2% YoY-20.2% QoQ	+0.0	0.7% -0.1% YoY	2.5% +122.5% YoY	1.2% +3.4% YoY	65%
Loan To Share	92.3% -4.2% YoY-0.2% QoQ	+11.7%	80.6% +0.7% YoY	52.8% -1.3% YoY	65.6% -1.4% YoY	80%
AMR	$21,708 +1.1% YoY+0.6% QoQ	$-7K	$28,908 +0.7% YoY	$17,581 +5.9% YoY	$19,920 +1.6% YoY	20%
CD Concentration	29.2% -9.2% YoY-6.2% QoQ	+4.9%	24.3%	14.5%	19.8%	68%
Indirect Auto %	19.0% -9.4% YoY-2.0% QoQ	+5.2%	13.8%	4.5%	7.7%	70%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Risk Growth

risk

#24 of 476 • Bottom 3.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 21.95%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.32% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#209 of 727 • Bottom 15.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.32% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Liquidity Strain

risk

#68 of 183 • Bottom 9.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 92.33%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 21.95%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY

Indirect Auto Dependency

risk

#289 of 504 • Bottom 1.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 25.85%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 18.97%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 23.29%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Efficiency Drag

risk

#435 of 596 • Bottom 29.4% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 84.30%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.04% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 23.29%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

702 nationally

↓ Shrinking -84 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 117 peers in tier

Top Strengths (9 metrics)

Member Growth Rate

growth

Value: 23.29%

Peer Median: 0.97%

#2 of 117 Top 0.9% in 750M-1B tier

Asset Growth Rate

growth

Value: 25.85%

Peer Median: 4.88%

#2 of 117 Top 0.9% in 750M-1B tier

Deposit Growth Rate

growth

Value: 27.29%

Peer Median: 4.60%

#3 of 117 Top 1.7% in 750M-1B tier

Loan Growth Rate

growth

Value: 21.95%

Peer Median: 4.33%

#5 of 117 Top 3.4% in 750M-1B tier

Members Per Employee (MPE)

engagement

Value: 472.723

Peer Median: 328.468

#14 of 117 Top 11.1% in 750M-1B tier

Total Members

engagement

Value: 66,654

Peer Median: 51,712

#16 of 117 Top 12.8% in 750M-1B tier

Net Interest Margin (NIM)

profitability

Value: 4.01%

Peer Median: 3.47%

#19 of 117 Top 15.4% in 750M-1B tier

Total Loans

balance_sheet

Value: $694.62M

Peer Median: $618.21M

#24 of 117 Top 19.7% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 92.33%

Peer Median: 84.41%

#24 of 117 Top 19.7% in 750M-1B tier

Top Weaknesses (3 metrics)

113

Fee Income Per Member

profitability

Value: $60.37

Peer Median: $187.56

#113 of 117 Bottom 4.3% in 750M-1B tier

Efficiency Ratio

profitability

Value: 84.30%

Peer Median: 77.38%

#94 of 117 Bottom 20.5% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $21,708

Peer Median: $26,209

#94 of 117 Bottom 20.5% in 750M-1B tier