State credit union · Rocky Hill, Connecticut · NCUA charter #68657
Nutmeg State Financial
Health score 86/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $888.8M
- Total assets
- 66,360
- Members
- 7.9%
- Net-worth ratio
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.
Nutmeg State Financial - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)83
- Asset quality (delinquency)84
- Earnings (ROA)78
- Member growth100
- Liquidity (loan-to-share)93
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 7.92%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.92% | 30% |
| Delinquency Rate | 0.89% | 25% |
| Return on Assets | 0.28% | 15% |
| Member Growth | 24.49% | 15% |
| Loan-to-Share Ratio | 92.48% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Nutmeg State Financial
The five-factor composite scores Nutmeg State Financial at 86/100 (Excellent), reflecting a net worth ratio of 7.92% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Rocky Hill, Connecticut, reports 66,360 members, $888.8M in total assets, and $687.9M in outstanding loans as of Q4 2025 under charter #68657 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 0.89% measures loans 60+ days past due against total loans outstanding - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. The loan-to-share ratio of 92.48% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.28% on net income of $2.5M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 24.49%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Connecticut
Other federally-insured credit unions in Connecticut, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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 86/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.92% 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 86/100, 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 7.92% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.