State credit union · RALEIGH, North Carolina · NCUA charter #66310
State Employees'
Health score 51/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 51
- Health / 100
- $58.12B
- Total assets
- 2,959,762
- Members
- 0.6%
- Net-worth ratio
State Employees' - Share Insurance Coverage
Charter #66310's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
State Employees' - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)5
- Asset quality (delinquency)34
- Earnings (ROA)83
- Member growth92
- Liquidity (loan-to-share)100
Weighted composite: 51/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
0.56% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 0.56% | 30% |
| Delinquency Rate | 2.63% | 25% |
| Return on Assets | 0.33% | 15% |
| Member Growth | 3.99% | 15% |
| Loan-to-Share Ratio | 72.64% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $58.12B | 2,959,762 |
| 2024Q4 | $52.99B | 2,846,170 |
| 2023Q4 | $54.58B | 2,779,110 |
Credit Union Details
- Charter Number
- 66310
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- North Carolina
- City
- RALEIGH
- Data Quarter
- 2025Q4
What This Data Says About State Employees'
Charter #66310, peer group Over $500M, a cohort of 749 similarly-sized institutions: that's State Employees', a state credit union in RALEIGH, North Carolina with 2,959,762 members, $58.12B in total assets, and $37.64B in outstanding loans as of Q4 2025. The five-factor composite scores it 51/100 (Fair), helped by a net worth ratio of 0.56% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 2.63% measures loans 60+ days past due against total loans outstanding - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. The loan-to-share ratio of 72.64% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.33% on net income of $192.5M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 3.99%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in North Carolina
Other federally-insured credit unions in North Carolina, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is State Employees' financially healthy?
State Employees' scores 51/100 (Fair) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 0.56% net worth ratio and a 2.63% delinquency rate.
How does State Employees' compare to other credit unions?
On PlainCU's health composite, State Employees' lands at 51/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 State Employees'?
Membership eligibility for State Employees' depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact State Employees' directly for current membership requirements and application steps.
Is my money safe at State Employees'?
Federal credit unions like State 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. State Employees''s net worth ratio of 0.56% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does State Employees' offer compared to banks?
Credit unions like State 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 State Employees' directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.