Civic Intelligence

Nutmeg State Financial Credit Union

EIN 06-0655039 • 501(c)14 • Rocky Hill, CT

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Profile

To implement technology to provide an exceptional member experience and create innovative financial solutions while ensuring financial inclusion.

Refreshing map…

500 Enterprise Drive 4ARocky Hill, CT 06067

www.nutmegstatefcu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

29th percentile

0.88x

Higher debt load relative to assets than 29% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

40th percentile

14.63x

Higher debt load relative to revenue than 40% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

30th percentile

5.9%

Higher net margin than 30% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

85th percentile

$1,090,902

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 2.6% of source-year revenue.

$250M-$1B nonprofits • Source year 2024

Asset Growth

98th percentile

19%

Faster asset growth than 98% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

82nd percentile

24%

Faster revenue growth than 82% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets29th percentile

Assets

Up

$697,084,624

Up $112,365,186 (+19%) from 2023

Liabilities

Up

$616,759,819

Up $104,510,087 (+20%) from 2023

Net Assets

Up

$80,324,805

Up $7,855,099 (+11%) from 2023

Operations
Liabilities / Revenue40th percentileNet Margin30th percentile

Revenue

Up

$42,153,342

Up $8,105,702 (+24%) from 2023

Expenses

Up

$39,668,633

Up $7,764,008 (+24%) from 2023

Net Income

Up

$2,484,709

Up $341,694 (+16%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth98th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$800M$600M$400M$200M$0Assets 2018: $452,366,618Liabilities 2018: $389,537,594Net Assets 2018: $62,829,0242018Assets 2019: $448,891,661Liabilities 2019: $381,356,594Net Assets 2019: $67,535,0672019Assets 2020: $505,677,219Liabilities 2020: $437,749,136Net Assets 2020: $67,928,0832020Assets 2021: $514,015,975Liabilities 2021: $442,459,626Net Assets 2021: $71,556,3492021Assets 2022: $554,794,800Liabilities 2022: $484,337,402Net Assets 2022: $70,457,3982022Assets 2023: $584,719,438Liabilities 2023: $512,249,732Net Assets 2023: $72,469,7062023Assets 2024: $697,084,624Liabilities 2024: $616,759,819Net Assets 2024: $80,324,8052024

Highlighted filing

2024

Assets$697,084,624
Liabilities$616,759,819
Net Assets$80,324,805
Open 2024 Filing

Operations Trend

Revenue Growth82nd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$60M$40M$20M$0-$20MRevenue 2018: $24,610,905Expenses 2018: $22,562,546Net Income 2018: $2,048,3592018Revenue 2019: $29,061,614Expenses 2019: $25,299,709Net Income 2019: $3,761,9052019Revenue 2020: $25,623,424Expenses 2020: $26,743,276Net Income 2020: -$1,119,8522020Revenue 2021: $28,973,660Expenses 2021: $24,674,372Net Income 2021: $4,299,2882021Revenue 2022: $33,470,573Expenses 2022: $27,715,613Net Income 2022: $5,754,9602022Revenue 2023: $34,047,640Expenses 2023: $31,904,625Net Income 2023: $2,143,0152023Revenue 2024: $42,153,342Expenses 2024: $39,668,633Net Income 2024: $2,484,7092024

Highlighted filing

2024

Revenue$42,153,342
Expenses$39,668,633
Net Income$2,484,709
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$697,084,624
Liabilities
$616,759,819
Net assets
$80,324,805
Revenue
$42,153,342
Expenses
$39,668,633
Net income
$2,484,709
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$697$617$80.3$42.2$39.7$2.48
2023Detailed filing. Detailed filing data is available for this year.$585$512$72.5$34.0$31.9$2.14
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$555$484$70.5$33.5$27.7$5.75
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$514$442$71.6$29.0$24.7$4.30
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$506$438$67.9$25.6$26.7$1.12
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$449$381$67.5$29.1$25.3$3.76
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$452$390$62.8$24.6$22.6$2.05
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 14, 2025
Return Version
2024v5.1
Gross Receipts
$42,083,890
Mission and Program Overview

Mission

To implement technology to provide an exceptional member experience and create innovative financial solutions while ensuring financial inclusion.

To create multi-generational prosperity by providing inclusive and equitable access to financial products, services and education.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$444,855,784$552,099,773▲ $107,243,989
Investments Other Securities$86,893,374$83,210,259▼ $3,683,115
Rtn Earn Endowment Incm Other Fnds$72,469,706$80,324,805▲ $7,855,099
Cash and Non-Interest-Bearing Accounts$3,008,629$28,127,906▲ $25,119,277
Land, Buildings, and Equipment, Net$8,641,167$5,826,339▼ $2,814,828
Intangible Assets$1,970,000$4,362,440▲ $2,392,440
Accounts Receivable$1,739,071$4,099,826▲ $2,360,755
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$584,719,438$697,084,624▲ $112,365,186
Other Assets Total$37,611,413$19,358,081▼ $18,253,332
Liabilities
Other Liabilities$489,950,256$590,380,659▲ $100,430,403
Mortgage Notes Payable Secured by Investment Property$15,000,000$17,600,000▲ $2,600,000
Accounts Payable and Accrued Expenses$7,299,476$8,779,160▲ $1,479,684
Total Liabilities$512,249,732$616,759,819▲ $104,510,087
Net Assets / Fund Balance
Total Net Assets Fund Balance$72,469,706$80,324,805▲ $7,855,099
Total Liabilities and Net Assets / Fund Balance$584,719,438$697,084,624▲ $112,365,186

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$653,872$10,357,266$11,011,138
Buildings$2,835,475$3,072,662$5,908,137
Leasehold Improvements$171,190$1,890,871$2,062,061
Land$2,057,900-$2,057,900
Other Land Buildings$107,902-$107,902
Other Securities$2,433,312--
Compensation and Service Providers
Top Officer Pay85th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
John HoltChief Executive OfficerFT$528,124$562,778$1,090,902
Patrick AhernPresident, Chief Operating OfficerFT$407,370$195,671$603,041
Heather GatesSVP, Chief Lending OfficerFT$236,038$125,148$361,186
Robin Del VecchioSVP Technology & OperationsFT$205,250$122,392$327,642
Mark CornacchioStrategic AdvisorFT$306,813$16,246$323,059
Vincent AngelilloSVP Sales & Marketing, Chief Experience OfficerFT$293,150$24,528$317,678
Vincent AngelilloSVP Sales & Marketing, Chief Experie-$234,806$82,872$317,678
Craig KnellSVP, Chief Financial OfficerFT$223,158$80,195$303,353
Kenneth LawlessDirector, Information Technology ServicesFT$194,522$22,446$216,968
Kenneth LawlessDirector, Information Technology Ser-$176,168$40,800$216,968
Shanon PetersDirector, Enterprise Risk ManagementFT$128,130$59,367$187,497
Javier RomanDirector Member SuccessFT$144,902$37,841$182,743
Julie EldridgeDirector, People and CultureFT$141,315$39,672$180,987
Shane DuganCommercial and MortgagesFT$134,720$41,066$175,786
Kyle Christopher DahnDirector of AccountingFT$147,928$25,236$173,164
Devin ObedzinskiFinance DirectorFT$123,004$48,500$171,504
Al FestiniStrategic PartnershipsFT$161,381-$161,381
PATRICK O'NEILLInformation Security AnalystFT$133,113$21,202$154,315
Katy LittleDirector, Consumer LendingFT$131,331$18,558$149,889
Danielle JackDirector of AdministrationFT$129,398$17,214$146,612
Dr Luis RamosChair-$14,253-$14,253
Mike PettiVice Chair-$13,467-$13,467
Maria DemarcoSupervisory Committee Chair-$7,800-$7,800
Wallace AbramsonDirector Emeritus-$7,800-$7,800
Steven Hernandez Esq2gen Committee Chair-$5,200-$5,200
Mike GodboutTreasurer-$3,367-$3,367
Beth BunkoSecretary-$1,394-$1,394

Board Members and Trustees

NameTitle
Pj Cimini EsqGovernance Committee Chair

Highest Paid Contractors

ContractorServicesLocationCompensation
Alkami Technology INCTechnology Services5601 GRANITE PARKWAY 120, Plano, TX 75024$634,048
Business Data INCCloud Storage321 N OAK STREET, Inglewood, CA 90302$465,923
Mks 500 EnterpriseBusiness Services500 ENTERPRISE DRIVE, Rocky Hill, CT 06067$457,914
Csb Construction INCConstruction4 INDUSTRIAL CIRCLE, Hamden, CT 06517$380,463
Transunion LLCCredit Reports555 W ADAMS STREET, Chicago, IL 60661$235,401
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$34,954,717
Investment Income
$6,990,064
Other Revenue
$208,561
Change in Net Assets
$2,484,709
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$26,080,124
Salaries, Compensation, and Employee Benefits$13,588,509
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$9,790,114
Other Salaries and Wages---$6,988,889
Current Officers, Directors, Trustees, and Key Employees---$4,045,395
Occupancy---$2,978,648
Information Technology---$2,449,482
Other Expenses---$1,594,127
All Other Expenses---$1,154,961
Other Employee Benefits---$934,552
Payroll Taxes---$843,944
Depreciation Depletion---$799,383
Pension Plan Contributions---$775,729
Office Expenses---$370,188
Travel---$348,916
Insurance---$185,638
Conferences and Meetings---$5,000
Total Functional Expenses$0$0$0$39,668,633
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$584,192,424
Lease Liabilities$6,188,235
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Members of the credit union consist of inidividuals and businesses maintaining deposit requirements.”

Form 990, Part VI, Section A, Line 7A

“Members in good standing may vote for directors as their terms expire.”

Form 990, Part VI, Section A, Line 7B

“Members approve decisions of the governing board in accordance with the credit union by-laws.”

Form 990, Part VI, Section B, Line 11B

“Form 990 is reviewed with the ceo and chairman of the board prior to filing.”

Form 990, Part VI, Section B, Line 12C

“Conflict on interest policy is reviewed annually by the board of directors.”

Form 990, Part VI, Section B, Line 15

“Outside consultants annually review president's/ceo's compensation with the board of directors. Ceo works with a third party to review annual compensation surveys for senior management.”

Form 990, Part VI, Section C, Line 19

“The credit union makes all governing documents available to the public upon request. Financial statements are posted for viewing in all branch locations.”

Filing and Contact Details

Filer

Filer Name
Nutmeg State Financial Credit Union
EIN
06-0655039
Phone
8605135000
Address
500 ENTERPRISE DRIVE 4A, ROCKY HILL, CT 06067

Signing Officer

Name
Craig Knell
Title
Chief Financial Officer
Phone
8605135000
Signed
2025-05-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Craig Knell
Formed
1936
Legal Domicile
Ct
Voting Board Members
7
Independent Board Members
7
Employees
141
Volunteers
0

Preparer

Firm
Whittlesey Pc
Address
280 TRUMBULL ST 24TH FL, HARTFORD, CT 06103
Preparer
Thomas Goldfuss CPA
Phone
8605223111
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Acquisition of net assets from merger 8,864,012.”

Raw XML AppendixShowing 400 of 852 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd00
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IRS990/AccountsReceivableGrp/EOYAmt04099826
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO CREATE MULTI-GENERATIONAL PROSPERITY BY PROVIDING INCLUSIVE AND EQUITABLE ACCESS TO FINANCIAL PRODUCTS, SERVICES AND EDUCATION.
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IRS990/CompensationFromOtherSrcsInd00
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IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0634048
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt2500 ENTERPRISE DRIVE
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IRS990/Form990PartVIISectionAGrp/TitleTxt0CHIEF EXECUTIVE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt1PRESIDENT, CHIEF OPERATING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt2STRATEGIC ADVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3SVP, CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt4SVP SALES & MARKETING, CHIEF EXPERIENCE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt5SVP, CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt6SVP TECHNOLOGY & OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR, INFORMATION TECHNOLOGY SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR OF ACCOUNTING
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR MEMBER SUCCESS
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR, PEOPLE AND CULTURE
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR, ENTERPRISE RISK MANAGEMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt12INFORMATION SECURITY ANALYST
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR, CONSUMER LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR OF ADMINISTRATION
IRS990/Form990PartVIISectionAGrp/TitleTxt15FINANCE DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16STRATEGIC PARTNERSHIPS
IRS990/Form990PartVIISectionAGrp/TitleTxt17COMMERCIAL AND MORTGAGES
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IRS990/Form990PartVIISectionAGrp/TitleTxt19DIRECTOR EMERITUS
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IRS990/Form990PartVIISectionAGrp/TitleTxt21VICE CHAIR
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IRS990/Form990PartVIISectionAGrp/TitleTxt24SECRETARY
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