Federal credit union · ELKTON, Maryland · NCUA charter #8549
Cecil County School Employees
Health score 60/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $25.1M
- Total assets
- 2,497
- Members
- 8.3%
- Net-worth ratio
Cecil County School Employees scores 60/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $25.1M; members 2,497; net-worth ratio 8.31%; health rank #4,069 of 4,374; healthier than 7th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,069 of 4,374 health · 2025Q4Cecil County School · health 60/100 · $25.1M · 2025Q4
- RANK 60/100
- PHOTO 8.3%
- BOOK 1.54%
- CHARTER 0.09%
- NCUSIF $25.1M
- CAMELS 2,497
- HEALTH #4,069/4,374
- NW Midwest Liberty
- DELQ 8549
Call Report peers
Cecil County School Employees in the assets neighbourhood
Cecil County School Employees's $25.1M assets sit next to Midwest Liberty ($25.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Cecil County School Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
60 7th percentile higher than 7% 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
Cecil County School Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #8549 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Cecil County School Employees: Call Report deltas vs peers
- Loan-to-Share Ratio trails the peer set - 39.51% here, 59.80% peer average (-20.29 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Maryland standing for Cecil County School Employees
- Health composite ranks #57 of 62 among scored Maryland credit unions.
- Assets rank #48 of 62 inside Maryland ($25.1M reported).
- Member book place in Maryland: #47 of 62.
In-state ordinals use the live credit_unions table for MD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Cecil County School Employees
Cecil County School Employees: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved -2.4% from $25.8M (2024Q4) to $25.1M (2025Q4).
- Membership moved -10.0% from 2,773 to 2,497 over the same window.
- Net-worth ratio shifted -1.77 pp (10.08% → 8.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.31% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 60/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 60.
- Net Worth Ratio 25.8 pts
- Delinquency Rate 15.9 pts
- Return on Assets 8.8 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.31% | -6.55 pp |
| Delinquency Rate | 1.54% | +0.40 pp |
| Return on Assets | 0.09% | -0.61 pp |
| Member Growth | -9.95% | - |
| Loan-to-Share Ratio | 39.51% | -20.29 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Cecil County School Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $25.1M | 2,497 |
| 2024Q4 | $25.8M | 2,773 |
| 2023Q4 | $27.3M | 2,896 |
Credit Union Details
- Charter Number
- 8549
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Maryland
- City
- ELKTON
- Data Quarter
- 2025Q4
Nearby Credit Unions in Maryland
More federally-insured credit unions based in Maryland, ordered by peer group match and asset size.
- HOWARD COUNTY EDUCATIONEllicott City, MD · $10M–$50M77Health
- THIOKOL ELKTONElkton, MD · $10M–$50M84Health
- NONE SUFFER LACKSUITLAND, MD · $10M–$50M83Health
- POST OFFICE CU OF MD, INC.Baltimore, MD · $10M–$50M71Health
- CAPITAL AREA REALTORSRockville, MD · $10M–$50M56Health
Compare Cecil County School Employees vs HOWARD COUNTY EDUCATION
Other-state peers near Cecil County School Employees
Two NCUA Call Report peer sets for Cecil County School Employees, both outside Maryland so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($25.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (60/100 here).
Using this data
- Cecil County School Employees ranks #4,069 of 4,374 nationally on financial health and #57 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Howard County Education is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Howard County Education
- Rates and health both vary by institution, not just by state -- see how Maryland credit unions compare overall before assuming this one is typical. Maryland state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Cecil County School Employees financially healthy?
A 8.31% net worth ratio and a 1.54% delinquency rate feed into Cecil County School Employees's financial health score of 60/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,069 of 4,374; by total assets it ranks #2,989 of 4,374 nationally (same basis as /rankings/largest); and #48 of 62 within Maryland. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Cecil County School Employees compare to other credit unions?
PlainCU's health composite puts Cecil County School Employees at 60/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Cecil County School Employees?
Cecil County School Employees operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Cecil County School Employees directly for the exact boundaries and application steps.
Is my money safe at Cecil County School Employees?
Federal credit unions like Cecil County School Employees are 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. Cecil County School Employees's net worth ratio of 8.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cecil County School Employees offer compared to banks?
Credit unions like Cecil County School Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Cecil County School Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.