NUTMEG STATE FINANCIAL
Charter #68657 · Rocky Hill, CT · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 12.20% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.50% sits at the 20th percentile of structural peers — worth a closer look.
- Efficiency ratio of 84.30% sits at the 80th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 83rd percentile but its structural peers at the 49th — a 34-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | NUTMEG STATE FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $885.23M | 83th pct | 49th pct |
| Members | 66,654 | 93th pct | 59th pct |
| Net worth ratio | 12.20% | 74th pct | 77th pct |
| Return on average assets | 0.50% | 39th pct | 20th pct |
| Net interest margin | 4.00% | 84th pct | 67th pct |
| Cost of funds | 1.44% | 48th pct | 33th pct |
| Loan-to-share | 92.33% | 85th pct | 74th pct |
| Delinquency 60+ days | 0.71% | 63th pct | 61th pct |
| Net charge-off ratio | 0.34% | 42th pct | 41th pct |
| Loan growth YoY | 15.96% | 98th pct | 93th pct |
| Share growth YoY | 26.05% | 99th pct | 93th pct |
| Efficiency ratio | 84.30% | 76th pct | 80th pct |
structural peer set hash: 41821a17c7cd5594e9ce9e0108d31694… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.