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
Call Report peers
Cecil County School Employees in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Cecil County School Employees sits in 60-64 with 179 others.
60 7th percentile higher than 7% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Maryland, BEE (#56) scores 63/100, 3 points higher; one place down, Market USA (#58) scores 57/100, 3 points lower.
Quarter path for Cecil County School Employees
Cecil County School Employees: total assets by quarter
2023Q4 to 2025Q4, NCUA 5300
- 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%).
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
Cecil County School Employees gives up 40 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio loses the least, 4.2.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Cecil County School Employees financially healthy?
Cecil County School Employees has a financial health score of 60/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,069 of 4,374 nationally on health and #57 of 62 in Maryland. Its net worth ratio is 8.31% and its delinquency rate 1.54%.
How does Cecil County School Employees compare to other credit unions?
Cecil County School Employees scores 60/100, higher than 7% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (39.51% vs 59.80%).
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?
Cecil County School Employees is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.