TellerScore

Nutmeg State Financial Credit Union (NCUA charter #68657) is based in Rocky Hill, Connecticut. Its Q2 2026 call report shows $916.5M in total assets and $759.9M in member shares and deposits and 14 offices.

Based on its Q2 2026 filing, Nutmeg State Financial Credit Union scores 66/100, which we describe as moderate. That is higher than only 37% of 1,341 credit unions with $100 million – $1 billion. Among 64 credit unions headquartered in Connecticut, it ranks 41st. Its strongest component is problem-loan coverage (90/100; 5.1%), and its lowest is earnings (41/100; 0.54%).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Net worth ratio: 11.93%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.75%
Earnings41/100
Return on assets (annualized): 0.54%
Funding & liquidity63/100
Loans ÷ shares: 97.5% · 7.5% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.06%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (69 → 66), mostly because the capital cushion component weakened by 8 points.

TellerScore
666972Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202469
Q4 202469
Q1 202572
Q2 202569
Q3 202568
Q4 202566
Q1 202668
Q2 202666
Net worth ratio
7.00%9.86%12.72%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.46%
Q3 202412.49%
Q4 202412.48%
Q1 202512.48%
Q2 202512.72%
Q3 202512.58%
Q4 202512.03%
Q1 202612.20%
Q2 202611.93%
Delinquent loans (60+ days)
0.39%0.64%0.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.57%
Q3 20240.49%
Q4 20240.51%
Q1 20250.39%
Q2 20250.72%
Q3 20250.83%
Q4 20250.89%
Q1 20260.71%
Q2 20260.75%
Return on assets
-0.07%0.28%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.07%
Q3 20240.25%
Q4 20240.36%
Q1 20250.54%
Q2 20250.60%
Q3 20250.63%
Q4 20250.56%
Q1 20260.50%
Q2 20260.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$916.5M11.93%0.75%0.54%97.5%
Q1 202668$885.2M12.20%0.71%0.50%92.3%
Q4 202566$888.8M12.03%0.89%0.56%92.5%
Q3 202568$716.8M12.58%0.83%0.63%100.4%
Q2 202569$698.9M12.72%0.72%0.60%97.3%
Q1 202572$703.4M12.48%0.39%0.54%96.4%
Q4 202469$697.3M12.48%0.51%0.36%95.0%
Q3 202469$690.2M12.49%0.49%0.25%93.5%
Q2 202466$702.3M12.46%0.57%-0.07%87.9%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.93%
57th
Problem loans0.75%
46th
Net charge-offs0.33%
54th
Return on assets0.54%
33rd
Loans to deposits97.5%
5th
Uninsured deposits7.5%
34th
Loan-loss reserves0.00%
50th
Texas ratio5.1%
39th

Similar-size credit unions in Connecticut

InstitutionScoreAssetsCapitalProblem loansCompare
Coreplus Federal Credit UnionCredit union Norwich, CT75 out of 100, Strong$676.5M11.0%0.39%vs
Dutch Point Credit UnionCredit union Wethersfield, CT77 out of 100, Strong$565.4M10.6%0.12%vs
Mutual Security Credit UnionCredit union Shelton, CT59 out of 100, Moderate$385.4M8.7%0.37%vs
Waterbury Connecticut Teachers Federal Credit UnionCredit union Waterbury, CT91 out of 100, Very strong$365.2M17.1%0.26%vs
360 Federal Credit UnionCredit union Windsor Locks, CT65 out of 100, Moderate$324.4M9.5%0.68%vs
General Electric Employees Federal Credit UnionCredit union Milford, CT56 out of 100, Moderate$283.2M9.9%1.57%vs

Deposit insurance

Is my money safe at Nutmeg State Financial Credit Union?

Yes. Nutmeg State Financial Credit Union is a federally insured credit union (NCUA charter #68657). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 7.5% of shares and deposits ($57.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.93%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

14 locations

Branches

Nutmeg State Financial Credit Union lists 14 offices in 10 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Nutmeg State Financial Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68657
RSSD ID
857772
Primary regulator
State + NCUA
Established
1935
Headquarters
500 Enterprise Dr Ste 4A, PO Box 66, Rocky Hill, CT 06067
Employees
137

Quick answers

Nutmeg State Financial Credit Union: common questions

Is Nutmeg State Financial Credit Union NCUA insured?

Yes. Nutmeg State Financial Credit Union is a federally insured credit union (NCUA charter #68657). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Nutmeg State Financial Credit Union's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Nutmeg State Financial Credit Union have?

14 offices as of the latest NCUA data.

Nearby

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