Nutmeg State Financial Credit Union
Rocky Hill, CT·Charter 68657·cu:68657·CCULR opted in
- #6 of 64Total assets in Connecticut
- 66.9Kmembers
- Top 1%Share growth in the U.S.
- Top 2%Member growth in the U.S.
- Top 2%Loan growth in the U.S.
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Nutmeg State Financial Credit Union
8 of 24 FORFI signals stand out against 569 similar credit unions, based on NCUA data for the quarter.
Total assets growing faster than peersStrength: Growth 2nd quarter+31.1%peers +4.5%+26.6 pp
Nutmeg State Financial Credit Union's total assets grew 31.1% over the past year to $916 million. The median among 563 similar credit unions was +4.5%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +31.1% | +4.5% | +26.6 pp |
| Total assets | ||
| $916 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Nutmeg State Financial Credit Union itself is left out of every peer median and percentile. How signals work
Shares and deposits growing faster than peersStrength: Funding 2nd quarter+27.3%peers +4.0%+23.3 pp
Nutmeg State Financial Credit Union's shares and deposits grew 27.3% over the past year to $760 million. The median among 563 similar credit unions was +4.0%.
| This institution | Peer median | Difference |
|---|---|---|
| Shares and deposits, 12-month growth | ||
| +27.3% | +4.0% | +23.3 pp |
| Shares and deposits | ||
| $760 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Nutmeg State Financial Credit Union itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending 2nd quarter+27.6%peers +4.1%+23.5 pp
Nutmeg State Financial Credit Union's loans grew 27.6% over the past year to $741 million. The median among 563 similar credit unions was +4.1%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +27.6% | +4.1% | +23.5 pp |
| Loans | ||
| $741 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Nutmeg State Financial Credit Union itself is left out of every peer median and percentile. How signals work
Membership growing faster than peersStrength: Membership 2nd quarter+21.9%peers +0.5%+21.4 pp
Nutmeg State Financial Credit Union's membership grew 21.9% over the past year. The median among 563 similar credit unions was +0.5%.
| This institution | Peer median | Difference |
|---|---|---|
| Membership, 12-month growth | ||
| +21.9% | +0.5% | +21.4 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Nutmeg State Financial Credit Union itself is left out of every peer median and percentile. How signals work
Net worth ratio falling while the peer median risesWorth a look: Capital11.93%peers 11.03%+0.9 pp
Nutmeg State Financial Credit Union's net worth ratio fell 0.8 percentage points over the past year to 11.93%. Among 563 similar credit unions, the median rose 0.3 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Net worth ratio | ||
| 11.93% | 11.03% | +0.9 pp |
| 12-month change | ||
| -0.8 pp | +0.3 pp | -1.1 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Nutmeg State Financial Credit Union itself is left out of every peer median and percentile. How signals work
3 more observations
- Borrowed funding rising while the peer median holds steadyFunding
- Reliance on share certificates falling while the peer median risesFunding
- Auto lending growing while the peer median shrinksLending
Key facts
- Nutmeg State Financial Credit Union is a state-chartered credit union headquartered in Rocky Hill, Connecticut. It reported $916 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $760 million, up 27.3% from a year earlier, and loans totaled $741 million, up 27.6%.
- Its net interest margin on average assets was 4.11% and its annualized return on assets was 0.60% for the quarter.
- Its cost of all shares and deposits was 1.35%, compared with a median of 1.45% among 566 similar credit unions with $300 million to $1 billion in assets.
- It served 66,866 members, up 21.9% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Nutmeg State Financial Credit Union's own data, FORFI would look at: Which customers the growth came from, and which of them are not yet fully served.
Analysis workspaces
Sources and identifiers
- Institution
- Nutmeg State Financial Credit Union · Credit union
- NCUA charter
- 68657
- Reporting period
- Peer group
- 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Nutmeg State Financial Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $1.35M | |
| $12.02M | |
| $2.79M | |
| $9.23M | |
| $1.18M | |
| $8.47M | |
| $597.97K | |
| $597.97K | |
| 0.60% | |
| 4.11% | |
| 81.27% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.