Nutmeg State Financial
Rocky Hill, CT · Charter 68657 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 10 branches
Q2 2026
$916.5MAssets
$741.1MLoans
$759.9MShares
$109.3MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 58% of credit unions under $1B in assets (rank 707 of 1683).
- Widest gap: return on assets trails 65% of credit unions under $1B in assets (rank 1087 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.54%
Rank 1,087 of 1,683
Net Interest Margin
3.95%
Rank 707 of 1,683
Efficiency Ratio
82.75%
Rank 1,073 of 1,682
Equity / Assets
11.93%
Rank 1,005 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.54% | 0.35% | 0.74% | 1.18% | Beats 35% | 1,087 / 1,683 | | |
| Return on Equity | 4.49% | 2.67% | 5.89% | 8.74% | Beats 39% | 1,022 / 1,681 | | |
| Net Interest Margin | 3.95% | 3.31% | 3.82% | 4.32% | Beats 58% | 707 / 1,683 | | |
| Efficiency Ratio | 82.75% | 68.91% | 78.20% | 86.93% | Beats 36% | 1,073 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.26% | 0.65% | 1.29% | Beats 46% | 915 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.93% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,005 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.93% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,005 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.53% | 52.61% | 69.38% | 83.50% | 95th pctl | 82 / 1,683 | | |
| Loans / Assets | 80.86% | 44.71% | 59.18% | 70.72% | 93rd pctl | 120 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |