State credit union · Rocky Hill, Connecticut · NCUA charter #68657
Nutmeg State Financial
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $888.8M
- Total assets
- 66,360
- Members
- 12.2%
- Net-worth ratio
Nutmeg State Financial scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $888.8M; members 66,360; net-worth ratio 12.20%; health rank #780 of 4,374; healthier than 80th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#780 of 4,374 health · 2025Q4Nutmeg State Financial · health 92/100 · $888.8M · 2025Q4
- MEM 92/100
- RANK 12.2%
- PHOTO 0.89%
- BOOK 0.28%
- CHARTER $888.8M
- NCUSIF 66,360
- CAMELS #780/4,374
- HEALTH CAPITAL
- NW 68657
Call Report peers
Nutmeg State Financial in the assets neighbourhood
Nutmeg State Financial's $888.8M assets sit next to CAPITAL ($889.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Nutmeg State Financial vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Nutmeg State Financial - Share Insurance Coverage
Charter #68657's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where Nutmeg State Financial diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 92.48% vs peer 83.90% (+8.58 pp).
- Largest lag: Return on Assets at 0.28% vs peer 0.51% (-0.23 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Nutmeg State Financial in Connecticut
- Connecticut health ordinal: #9 of 64.
- Connecticut assets place: #6 of 64.
- Membership ranks #6 of 64 among Connecticut CUs with a reported count (66,360 members).
In-state ordinals use the live credit_unions table for CT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Nutmeg State Financial
Nutmeg State Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $888.8M (2025Q4) to $885.2M (2026Q1).
- Net-worth ratio shifted +0.17 pp (12.03% → 12.20%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.20%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.1 pts
- Return on Assets 11.7 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.2 pts
Call Report ratios for Nutmeg State Financial
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.20% | +1.02 pp |
| Delinquency Rate | 0.89% | +0.02 pp |
| Return on Assets | 0.28% | -0.23 pp |
| Member Growth | 24.49% | - |
| Loan-to-Share Ratio | 92.48% | +8.58 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - Nutmeg State Financial
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $885.2M | - |
| 2025Q4 | $888.8M | 66,360 |
| 2024Q4 | $697.3M | 53,304 |
| 2023Q4 | $584.7M | 43,332 |
Credit Union Details
- Charter Number
- 68657
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Connecticut
- City
- Rocky Hill
- Data Quarter
- 2025Q4
Branch Locations (14)
Nutmeg State Financial operates 14 offices across 10 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Rocky Hill, CT |
| Branford | Branford, CT |
| Bristol - North St. | Bristol, CT |
| Bristol - Stafford Ave | Bristol, CT |
| Glastonbury Branch | Glastonbury, CT |
| Hamden | Hamden, CT |
| Manchester - Branch | Manchester, CT |
| New Britain - Branch | New Britain, CT |
| 200 Orange St | New Haven, CT |
| SCSU Student Center | New Haven, CT |
| Orange - Branch | Orange, CT |
| Rocky Hill - Branch | Rocky Hill, CT |
| Rocky Hill High School | Rocky Hill, CT |
| Stratford Branch | Stratford, CT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Connecticut
Other federally-insured credit unions in Connecticut, closest first by peer group and asset size.
Cross-state Call Report peers for Nutmeg State Financial
Two NCUA Call Report peer sets for Nutmeg State Financial, both outside Connecticut so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($888.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Nutmeg State Financial ranks #780 of 4,374 nationally on financial health and #9 of 64 in CT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CONNEX is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CONNEX
- Rates and health both vary by institution, not just by state -- see how Connecticut credit unions compare overall before assuming this one is typical. Connecticut state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Nutmeg State Financial financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Nutmeg State Financial carries a financial health score of 92/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #780 of 4,374; by total assets it ranks #517 of 4,374 nationally (same basis as /rankings/largest); and #6 of 64 within Connecticut. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.20% net worth ratio and a 0.89% delinquency rate.
How does Nutmeg State Financial compare to other credit unions?
PlainCU's health composite puts Nutmeg State Financial at 92/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Nutmeg State Financial?
Membership eligibility for Nutmeg State Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Nutmeg State Financial directly for current membership requirements and application steps.
Is my money safe at Nutmeg State Financial?
Federal credit unions like Nutmeg State Financial are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Nutmeg State Financial's net worth ratio of 12.20% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Nutmeg State Financial offer compared to banks?
Credit unions like Nutmeg State Financial are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Nutmeg State Financial directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.