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Nutmeg State Financial

Rocky Hill, CT · Charter 68657

NCUA · 10 branches

Q2 2026

$916.5MAssets
$741.1MLoans
$759.9MShares
$109.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.54%, down 7 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 0.75% of loans (+3 bps YoY).
  • Capital: net worth / assets of 11.93%, down 80 bps from a year ago.
  • Funding: loans stand at 97.53% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.54%-7 bps YoY

Net Interest Margin (quarter, annualized)

3.95%+8 bps YoY

Efficiency Ratio (quarter, annualized)

82.74%+164 bps YoY

Net Worth / Assets

11.93%-80 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.63%0.56%0.50%0.54%-7 bps
Return on Equity4.75%4.97%4.68%4.08%4.49%-26 bps
Net Interest Margin3.87%3.82%3.18%4.01%3.95%+8 bps
Efficiency Ratio81.10%81.63%80.87%84.30%82.74%+164 bps
Growth
Asset Growth (YoY)-0.48%3.86%27.46%25.85%31.13%+3,161 bps
Loan Growth (YoY)11.93%10.84%23.98%21.95%27.63%+1,571 bps
Share Growth (YoY)1.16%3.21%27.32%27.29%27.34%+2,617 bps
Asset Quality
Delinquent Loans / Loans0.72%0.83%0.89%0.71%0.75%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.73%12.59%12.03%12.20%11.93%-80 bps
Net Worth / Assets12.73%12.59%12.03%12.20%11.93%-80 bps
Liquidity & Funding
Loans / Shares97.30%100.36%92.48%92.33%97.53%+23 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps