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
Call Report peers
Nutmeg State Financial in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Nutmeg State Financial sits in 90-94 with 747 others.
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
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).
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).
- One place up in Connecticut, Charter Oak (#8) ties at 92/100; one place down, America's First Network (#10) scores 91/100, 1 point lower.
Quarter path for Nutmeg State Financial
Nutmeg State Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.4% from $888.8M (2025Q4) to $885.2M (2026Q1).
- Net-worth ratio shifted +0.17 pp (12.03% → 12.20%).
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
Nutmeg State Financial gives up 8 points in total. Delinquency Rate costs the most, 3.9 of its 25; Net Worth Ratio and Member Growth score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Nutmeg State Financial financially healthy?
Nutmeg State Financial has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #780 of 4,374 nationally on health and #9 of 64 in Connecticut. Its net worth ratio is 12.20% and its delinquency rate 0.89%.
How does Nutmeg State Financial compare to other credit unions?
Nutmeg State Financial scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (92.48% vs 83.90%). Its widest shortfall is return on assets (0.28% vs 0.51%).
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?
Nutmeg State Financial is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.