# CONNECTICUT STATE EMPLOYEES
HARTFORD, CT · NCUA charter 65728 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/connecticut-state-employees-65728

Who the members are: state charter, organized 1946. 69,685 members of 150,000 potential (46.5% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 25.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.70B |
| Members | 69,685 (0.8% YoY) |
| Full-time staff | 72 |
| Net worth | $230.0M |
| Net worth ratio | 8.5% (p8 of band) |
| ROA (annualized) | 0.62% (p43 of band) |
| Total delinquency | 0.10% (p2 of band) |
| Net charge-offs (annualized) | 0.01% (p1 of band) |
| Loans / shares | 17% (p0 of band) |
| Cash / assets | 25.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.05% (p1 of band) |
| Operating expense / assets | 0.50% (p1 of band) |
| Vehicles % of loans | 25% (p44 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p3 of band) |
| Vehicle delinquency | 0.08% (p2 of band) |
| Vehicle NCO | 0.01% (p1 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 71% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 25% |
| Average share balance | $19,379 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 25% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $24,404 |
| Loans granted, annualized | $54.1M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | net worth falling |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | net worth falling, delinquency rising |  |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | assets shrinking | delinquency rising |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 | net worth falling | assets shrinking |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 2 | delinquency rising | net worth falling |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 2 | delinquency rising |  |
| 2026-03 | 3 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-15 [Manchester Man Accused Of Forging Money Orders In Mansfield To Fund Online Sports Book Betting: Warrant - Patch](https://news.google.com/rss/articles/CBMiugFBVV95cUxPOF9vMUN3a1BXdWd2UUhUMFdRaTJGTnY0M2hydkszVlRaeVdQXzRWVHhXUXVHakZvVDJGTGlNSEx2VzJQVTNtNUsyemJ6MXlpRlEzdG9MN1pRdnNhNG5RMmkzamNzQ0tNRWxEcE44elA1YVoyYjZ6SF81cGhwRHFkNEc2eDBFN3NPUWFSMUZEMTdhVEQwOUluWmhMaVpyMk5Za0tQWmNnUFJKR3kzc2gweHVCblRkQUp1MEE?oc=5) · Patch
- 2025-08-15 [CT state retirees want more options than Medicare Advantage - hartfordbusiness.com](https://news.google.com/rss/articles/CBMingFBVV95cUxOUGhlVEhMRll4QVZSTVkxZU5GWWFVcG5DN3dfVXBfNW9UdDdOWjdxeEE2bzI4QjNralhqSENIMUJxODZNTWFNNEtycTRmdENNZ19UY0NmZWpiRVctcVYtM3lraGUyeFdXd3VuSVU4VDZ4dlNKYkRmRWRnTENLc0J0UXFXUC1hZi11Y3gtYUlXdFVrb0FKUzYxRWY5a1J4dw?oc=5) · hartfordbusiness.com
- 2021-03-19 [Obituary information for Thomas Keegan - Sheehan Hilborn Breen Funeral Home](https://news.google.com/rss/articles/CBMif0FVX3lxTE1LTkR0cUVmeWJZQVJCTVYxLUZyU0NxUThZNDlHcEpBdmpqeUxGWkxLOUhlNHE3cGN0SFJZandoOTJqMW9BMXlJMDhfbDE3bHFlSXNtSk1uMklFRXBUTUNSRXQ4V0dxS3ROT1ZXTTZWd1MyZm5uWjJva2Z6RE9TdHM?oc=5) · Sheehan Hilborn Breen Funeral Home
- 2024-06-08 [Melvin L. Berman - Hartford Courant](https://news.google.com/rss/articles/CBMic0FVX3lxTE5jeXhfQUFKTmlHSjl1bXJfNHFUeURrWWdHWWJfQTBPeWNFa3d1ZGdOTkpLRmh2WHpXTHgyRW56UjRRdnFsdlMyUXBPa2JsSnRDOHlNWDRDSDVhWFJtZkFOSDZrNTdtMkRCYUV3Ql9qWDlPQzg?oc=5) · Hartford Courant
- 2016-06-02 [2016 Best of Norwich Awards Winners - Norwich Bulletin](https://news.google.com/rss/articles/CBMitwFBVV95cUxPVXZWZmRleTdzWi1WbzRJNVJPcHhxRVRVNEQxM1BfdS1ZSXFpbW1jOXFWSUY5bnZfclhFNzFlb2YyemwwX2U2Z3hHdklfWGNTdXpnaVJvUGcwUkExX1JZaE5kUzQyTjVNTV9RcUlGcl9DeGR4Nm4ybVJRTE1Md19kNVl1eVJtZ0ZpaEhjbGNLWlVQQ2dkQW9pR0w0SGlJNVFXWXVVQmZEUnA0Y2x5ZlBfVVREaUxOREE?oc=5) · Norwich Bulletin
- 2013-02-14 [Five-Bedroom Colonial on Cedar Ledge Sells for $440,000 - Patch](https://news.google.com/rss/articles/CBMingFBVV95cUxNOUk1TmJOZkNVT1p1V3dBNUNLZ19OazQzNVJ1S1ZSaG5nYmpMLTd0Y29wRHdPdXowUFpaQWFLTWxvbTNBTTZlV2dqaTdjRXNVR3U5UXNRWkNBWjJUbzR1cFpjcFlRZmRmYlk3MkdrV3hENFpMdUlGYmx6RDRrTGdhLWxYNnFFRkxFejlqV0k3bmhEdGwtc1JXaVdSdGhtZw?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65728 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/0.json (key "65728", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=65728
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide