State credit union · RALEIGH, North Carolina · NCUA charter #66310

State Employees'

Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

80
Health / 100
$58.12B
Total assets
2,959,762
Members
10.0%
Net-worth ratio

State Employees' scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $58.12B; members 2,959,762; net-worth ratio 9.98%; health rank #2,769 of 4,374; healthier than 36th of scored peers.

NCUA 5300 Call Report masthead

NCUA 5300 Call Report Masthead

#2,769 of 4,374 health · 2025Q4

State Employees' · health 80/100 · $58.12B · 2025Q4

Call Report peers

State Employees' in the assets neighbourhood

State Employees' (this)$58.12BSCHOOLSFIRST$35.38BBoeing Employees$29.36BPENTAGON$29.29BAmerica First$23.79BMountain America$21.86B
Nearest other-state credit unions by total assets (NCUA 5300)

Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.

State Employees' vs every NCUA-scored credit union

The busiest band is 85-89 (858 credit unions); State Employees' sits in 80-84 with 767 others.

80 36th percentile higher than 36% 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

State Employees' vs Over $500M peers

  • Widest shortfall vs peers is Loan-to-Share Ratio: -11.26 pp (72.64% vs 83.90%).

North Carolina standing for State Employees'

  • North Carolina health ordinal: #31 of 57.
  • North Carolina assets place: #1 of 57.
  • Membership ranks #1 of 57 among North Carolina CUs with a reported count (2,959,762 members).
  • One place up in North Carolina, Vision Financial (#30) ties at 80/100; one place down, Bragg Mutual (#32) ties at 80/100.

State Employees' Call Report trajectory

State Employees': total assets by quarter

2023Q4 to 2026Q1, NCUA 5300

50,000,000,00055,000,000,00060,000,000,00065,000,000,000 2023Q42024Q42025Q42026Q1 54,576,330,103 59,758,618,263 ▲ +9.5%
  • Assets moved +2.8% from $58.12B (2025Q4) to $59.76B (2026Q1).
  • Net-worth ratio shifted -0.12 pp (10.10% → 9.98%).
Net worth ratio vs. NCUA well-capitalized threshold 66.5%

9.98% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).

How the 80/100 score is built

State Employees' gives up 20 points in total. Delinquency Rate costs the most, 16.4 of its 25; Loan-to-Share Ratio scores full marks.

  • Net Worth Ratio 30.0 pts
  • Delinquency Rate 8.6 pts
  • Return on Assets 12.5 pts
  • Member Growth 13.8 pts
  • Loan-to-Share Ratio 15.1 pts

State Employees' health metrics

Metric Value vs peer
Net Worth Ratio 9.98% -1.20 pp
Delinquency Rate 2.63% +1.76 pp
Return on Assets 0.33% -0.18 pp
Member Growth 3.99% -
Loan-to-Share Ratio 72.64% -11.26 pp

Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.

State Employees' filing history

Quarter Assets Members
2026Q1 $59.76B -
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

Branch Locations (286)

The NCUA branch filing lists 286 physical offices for State Employees', spread across 178 cities.

Office City
Corporate Office (Main Office) Raleigh, NC
AHOSKIE AHOSKIE, NC
ALBEMARLE NC 24/27 Hwy ALBEMARLE, NC
ALBEMARLE NC 740 BYPASS ALBEMARLE, NC
ANDREWS ANDREWS, NC
ANGIER ANGIER, NC
APEX APEX, NC
ARCHDALE ARCHDALE, NC
ASHEVILLE - AIRPORT ROAD ARDEN, NC
ASHEVILLE - LONG SHOALS ROAD ARDEN, NC
ASHEBORO - S PARK STREET ASHEBORO, NC
ASHEVILLE - BILTMORE VILLAGE ASHEVILLE, NC
ASHEVILLE - OAK PLAZA ASHEVILLE, NC
ASHEVILLE - PARKWAY SOUTH ASHEVILLE, NC
ASHEVILLE - SMOKEY PARK HIGHWAY ASHEVILLE, NC
ASHEVILLE - UNCA ASHEVILLE, NC
BARCO BARCO, NC
BEAUFORT BEAUFORT, NC
BELMONT BELMONT, NC
LELAND BELVILLE, NC
MCGEE'S CROSSROADS BENSON, NC
BENSON BENSON, NC
BERMUDA RUN BERMUDA RUN, NC
BLACK MOUNTAIN BLACK MOUNTAIN, NC
BOONE - BLOWING ROCK ROAD BOONE, NC
BOONE - NEW MARKET BOONE, NC
BREVARD BREVARD, NC
BRYSON CITY BRYSON CITY, NC
BURGAW BURGAW, NC
BURLINGTON BURLINGTON, NC
ELON BURLINGTON, NC
BURNSVILLE BURNSVILLE, NC
BUTNER BUTNER, NC
CAMDEN CAMDEN, NC
CARRBORO CARRBORO, NC
CARTHAGE CARTHAGE, NC
CARY - CHAPEL HILL ROAD CARY, NC
CARY - WALNUT STREET CARY, NC
CARY - MACEDONIA ROAD CARY, NC
CHAPEL HILL - ELLIOTT ROAD CHAPEL HILL, NC
CHAPEL HILL - HAMILTON ROAD CHAPEL HILL, NC
CHAPEL HILL - NORTH CHATHAM PARK CHAPEL HILL, NC
CHAPEL HILL - PITTSBORO STREET CHAPEL HILL, NC
CHARLOTTE - AIRPORT CENTER PKWY CHARLOTTE, NC
CHARLOTTE - MOUNTAIN ISLAND LAKE CHARLOTTE, NC
CHARLOTTE - ARDREY KELL CHARLOTTE, NC
CHARLOTTE - PROVIDENCE ROAD CHARLOTTE, NC
CHARLOTTE - ALBEMARLE ROAD CHARLOTTE, NC
CHARLOTTE - PARK ROAD CHARLOTTE, NC
CHARLOTTE - STEELE CREEK CHARLOTTE, NC
CHARLOTTE - THIRD STREET CHARLOTTE, NC
CHARLOTTE - UNIVERSITY CITY BLVD CHARLOTTE, NC
CHARLOTTE - MONROE ROAD CHARLOTTE, NC
CHINA GROVE China Grove, NC
CLAYTON GLEN LAUREL RD CLAYTON, NC
CLAYTON - REGENCY DR CLAYTON, NC
CLINTON CLINTON, NC
WAYNESVILLE CLYDE, NC
COLUMBIA COLUMBIA, NC
COLUMBUS COLUMBUS, NC
CONCORD - ROCK HILL CHURCH RD CONCORD, NC
CONCORD - POPLAR TENT ROAD CONCORD, NC
CORNELIUS CORNELIUS, NC
CULLOWHEE CULLOWHEE, NC
DENVER DENVER, NC
DOBSON DOBSON, NC
DUNN DUNN, NC
RTP DURHAM, NC
DURHAM - CHAPEL HILL BLVD DURHAM, NC
RTP Durham, NC
DURHAM - BEN FRANKLIN BLVD DURHAM, NC
DURHAM - DUKE STREET DURHAM, NC
DURHAM - GUESS ROAD DURHAM, NC
DURHAM - HWY 98 EAST DURHAM, NC
DURHAM - LOWES GROVE DURHAM, NC
EDEN EDEN, NC
EDENTON EDENTON, NC
ELIZABETH CITY - 17 NORTH ELIZABETH CITY, NC
ELIZABETH CITY - HALSTEAD BLVD ELIZABETH CITY, NC
ELIZABETHTOWN ELIZABETHTOWN, NC
ELKIN ELKIN, NC
FAYETTEVILLE - EXECUTIVE PLACE FAYETTEVILLE, NC
FAYETTEVILLE - RAMSEY ST FAYETTEVILLE, NC
FAYETTEVILLE - SYCAMORE DAIRY RD FAYETTEVILLE, NC
FLAT ROCK FLAT ROCK, NC
FOREST CITY FOREST CITY, NC
FRANKLIN FRANKLIN, NC
FUQUAY-VARINA FAYETTEVILLE RD FUQUAY VARINA, NC
FUQUAY-VARINA OLD HONEYCUTT RD FUQUAY VARINA, NC
CLEVELAND COMMUNITY GARNER, NC
GARNER - BENSON RD GARNER, NC
GARNER - VANDORA SPRINGS RD GARNER, NC
GASTONIA - COX RD GASTONIA, NC
GASTONIA - UNION RD GASTONIA, NC
GATESVILLE GATESVILLE, NC
GOLDSBORO - CASHWELL DRIVE GOLDSBORO, NC
GOLDSBORO - WAYNE MEMORIAL DR GOLDSBORO, NC
GOLDSBORO - WEST ASH STREET GOLDSBORO, NC
GRANITE FALLS GRANITE FALLS, NC
GRANITE QUARRY GRANITE QUARRY, NC
GRANTSBORO GRANTSBORO, NC
GREENSBORO - WEST MARKET STREET GREENSBORO, NC
GREENSBORO - HOLDEN ROAD GREENSBORO, NC
GREENSBORO - SOUTH ELM EUGENE GREENSBORO, NC
GREENSBORO - GRANDOVER VILLAGE GREENSBORO, NC
GREENSBORO - BATTLEGROUND AVE GREENSBORO, NC
GREENSBORO - MILWOOD SCHOOL RD Greensboro, NC
GREENSBORO - MUIRS CHAPEL RD GREENSBORO, NC
GREENSBORO - PISGAH CHURCH RD GREENSBORO, NC
GREENSBORO - MURROW BLVD GREENSBORO, NC
GREENSBORO - NEW GARDEN ROAD GREENSBORO, NC
GREENVILLE - CHARLES BLVD GREENVILLE, NC
GREENVILLE - FIRST STREET GREENVILLE, NC
GREENVILLE - MEDICAL PARK GREENVILLE, NC
GREENVILLE HWY 33 EAST BRANCH GREENVILLE, NC
HAMLET HAMLET, NC
HARRISBURG HARRISBURG, NC
HAYESVILLE HAYESVILLE, NC
HENDERSON HENDERSON, NC
HENDERSONVILLE HENDERSONVILLE, NC
HERTFORD HERTFORD, NC
HICKORY - 16TH ST NE HICKORY, NC
HICKORY - FAIRGROVE CHURCH RD HICKORY, NC
HICKORY - MOUNTAIN VIEW HICKORY, NC
HIGH POINT - PENNY RD HIGH POINT, NC
HIGH POINT - WESTCHESTER DR HIGH POINT, NC
HILLSBOROUGH - HWY 70 HILLSBOROUGH, NC
HILLSBOROUGH - OLD HWY 86 HILLSBOROUGH, NC
HOLLY SPRINGS HOLLY SPRINGS, NC
HOPE MILLS HOPE MILLS, NC
HUNTERSVILLE HUNTERSVILLE, NC
INDIAN TRAIL INDIAN TRAIL, NC
JACKSON JACKSON, NC
JACKSONVILLE - WESTERN BLVD JACKSONVILLE, NC
JACKSONVILLE - HWY 17 JACKSONVILLE, NC
KANNAPOLIS KANNAPOLIS, NC
KENANSVILLE KENANSVILLE, NC
KERNERSVILLE - CENTURY PLACE BLVD KERNERSVILLE, NC
KERNERSVILLE - HWY 66 KERNERSVILLE, NC
KING KING, NC
KINGS MOUNTAIN KINGS MOUNTAIN, NC
T5@Charlotte II LLC Kings Mountain, NC
KINSTON - AIRPORT ROAD KINSTON, NC
KINSTON - VERNON AVE KINSTON, NC
KNIGHTDALE KNIGHTDALE, NC
LAURINBURG LAURINBURG, NC
LENOIR LENOIR, NC
LEXINGTON LEXINGTON, NC
LIBERTY LIBERTY, NC
LILLINGTON LILLINGTON, NC
LINCOLNTON LINCOLNTON, NC
LOCUST LOCUST, NC
LOUISBURG LOUISBURG, NC
LUMBERTON - FAYETTEVILLE RD LUMBERTON, NC
LUMBERTON - NIGEL ROAD LUMBERTON, NC
MADISON MADISON, NC
MANTEO MANTEO, NC
MARION MARION, NC
MARSHALL MARSHALL, NC
MATTHEWS MATTHEWS, NC
MEBANE MEBANE, NC
MINT HILL MINT HILL, NC
MOCKSVILLE MOCKSVILLE, NC
MONROE MONROE, NC
MOORESVILLE MOORESVILLE, NC
MOREHEAD CITY MOREHEAD CITY, NC
MORGANTON - CARBON CITY ROAD MORGANTON, NC
MORGANTON - ENOLA ROAD MORGANTON, NC
MOUNT AIRY MOUNT AIRY, NC
MURFREESBORO MURFREESBORO, NC
MURPHY MURPHY, NC
NAGS HEAD NAGS HEAD, NC
NASHVILLE NASHVILLE, NC
NEW BERN - ELIZABETH AVE NEW BERN, NC
NEW BERN - HOWELL RD NEW BERN, NC
NEWLAND NEWLAND, NC
NORTH WILKESBORO NORTH WILKESBORO, NC
OAK RIDGE OAK RIDGE, NC
OCEAN ISLE OCEAN ISLE BEACH, NC
OLD FORT OLD FORT, NC
OXFORD OXFORD, NC
PEMBROKE PEMBROKE, NC
PILOT MOUNTAIN PILOT MOUNTAIN, NC
PINEVILLE PINEVILLE, NC
PITTSBORO PITTSBORO, NC
PLYMOUTH PLYMOUTH, NC
RAEFORD RAEFORD, NC
RALEIGH - NEW HOPE RD RALEIGH, NC
RALEIGH - SIX FORKS RALEIGH, NC
RALEIGH - SALISBURY ST RALEIGH, NC
RALEIGH - STONEHENGE RALEIGH, NC
RALEIGH - TRIANGLE TOWN CENTER RALEIGH, NC
RALEIGH - VILLAGE DISTRICT RALEIGH, NC
RALEIGH - WAKEFIELD RALEIGH, NC
RALEIGH - 801 HILLSBOROUGH STREET RALEIGH, NC
RALEIGH - BLUE RIDGE ROAD RALEIGH, NC
RALEIGH - CAPITOL SQUARE RALEIGH, NC
RALEIGH - CENTENNIAL PARKWAY RALEIGH, NC
RALEIGH - FALLS OF NEUSE RD RALEIGH, NC
RALEIGH - HAMMOND ROAD RALEIGH, NC
RALEIGH - HILBURN DRIVE RALEIGH, NC
RALEIGH - LOUISBURG ROAD RALEIGH, NC
RALEIGH - NCSU RALEIGH, NC
RALEIGH - NEW BERN AVENUE RALEIGH, NC
RALEIGH - POOLE ROAD RALEIGH, NC
RALEIGH - STRICKLAND ROAD RALEIGH, NC
2721 Spring Forest Rd. Raleigh, NC
RALEIGH - BRIER CREEK RALEIGH, NC
2100 Yonkers Rd Raleigh, NC
Creedmoor Road Raleigh, NC
RALEIGH - MIDTOWN MARKET AVE Raleigh, NC
1000 Wade Ave Raleigh, NC
900 Wade Avenue Raleigh, NC
801 Hillsborough Raleigh, NC
Wake Forest Road Raleigh, NC
Six Forks Road Raleigh, NC
RANDLEMAN RANDLEMAN, NC
REIDSVILLE REIDSVILLE, NC
ROANOKE RAPIDS - OLD FARM RD ROANOKE RAPIDS, NC
ROANOKE RAPIDS - 10TH STREET ROANOKE RAPIDS, NC
ROBBINSVILLE ROBBINSVILLE, NC
ROCKINGHAM ROCKINGHAM, NC
ROCKY MOUNT - FAIRVIEW ROAD ROCKY MOUNT, NC
ROCKY MOUNT - SUNSET AVE ROCKY MOUNT, NC
ROCKY MOUNT - BENVENUE ROAD ROCKY MOUNT, NC
ROLESVILLE ROLESVILLE, NC
ROXBORO ROXBORO, NC
RUTHERFORD COLLEGE RUTHERFORD COLLEGE, NC
RUTHERFORDTON RUTHERFORDTON, NC
SALISBURY SALISBURY, NC
SANFORD - SPRING LANE SANFORD, NC
SANFORD - BRAGG STREET SANFORD, NC
BOILING SPRINGS SHELBY, NC
SHELBY SHELBY, NC
SILER CITY SILER CITY, NC
SMITHFIELD - BUFFALO ROAD SMITHFIELD, NC
SMITHFIELD - BRIGHT LEAF BLVD SMITHFIELD, NC
SNOW HILL SNOW HILL, NC
SOUTHERN PINES SOUTHERN PINES, NC
SOUTHPORT SOUTHPORT, NC
SPARTA SPARTA, NC
SPRUCE PINE SPRUCE PINE, NC
STATESVILLE - WILKESBORO RD STATESVILLE, NC
STATESVILLE - EASTSIDE DRIVE STATESVILLE, NC
SHALLOTTE SUPPLY, NC
SWAN QUARTER SWANQUARTER, NC
SWANSBORO SWANSBORO, NC
SYLVA SYLVA, NC
TABOR CITY TABOR CITY, NC
TARBORO TARBORO, NC
TAYLORSVILLE TAYLORSVILLE, NC
THOMASVILLE THOMASVILLE, NC
TRENTON TRENTON, NC
TROY TROY, NC
WADESBORO WADESBORO, NC
WAKE FOREST WAKE FOREST, NC
WARRENTON WARRENTON, NC
WASHINGTON WASHINGTON, NC
WAXHAW WAXHAW, NC
WEAVERVILLE WEAVERVILLE, NC
WENDELL WENDELL, NC
WEST JEFFERSON WEST JEFFERSON, NC
WHITEVILLE WHITEVILLE, NC
WHITSETT WHITSETT, NC
WILKESBORO WILKESBORO, NC
WILLIAMSTON WILLIAMSTON, NC
WILMINGTON - CONVERSE DRIVE WILMINGTON, NC
WILMINGTON - MARKET ST WILMINGTON, NC
WILMINGTON - MYRTLE GROVE WILMINGTON, NC
WILMINGTON - RACINE DR WILMINGTON, NC
WILMINGTON - RANDALL PKWY WILMINGTON, NC
WILMINGTON - N COLLEGE ROAD WILMINGTON, NC
WILSON - 42 WEST WILSON, NC
WILSON - NASH ST WILSON, NC
WILSON - WARD BLVD WILSON, NC
WINDSOR WINDSOR, NC
WINSTON-SALEM - SILAS CREEK PKWY WINSTON SALEM, NC
WINSTON-SALEM - STRATFORD RD WINSTON SALEM, NC
WINSTON-SALEM - UNIVERSITY PKWY WINSTON SALEM, NC
WINSTON-SALEM - REYNOLDS PARK WINSTON SALEM, NC
WINSTON-SALEM - PETERS CREEK PARKWAY WINSTON SALEM, NC
CLEMMONS WINSTON SALEM, NC
WINTERVILLE WINTERVILLE, NC
YADKINVILLE YADKINVILLE, NC
YANCEYVILLE YANCEYVILLE, NC
ZEBULON ZEBULON, NC

Source: NCUA Credit Union Branch Information, 2025Q4 filing.

Nearby Credit Unions in North Carolina

Other federally-insured credit unions in North Carolina, closest first by peer group and asset size.

Compare State Employees' vs COASTAL

Nationwide credit unions with similar profiles

Using this data

  • State Employees' ranks #2,769 of 4,374 nationally on financial health and #31 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
  • COASTAL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with COASTAL

Frequently Asked Questions

Is State Employees' financially healthy?

State Employees' has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,769 of 4,374 nationally on health and #31 of 57 in North Carolina. Its net worth ratio is 9.98% and its delinquency rate 2.63%.

How does State Employees' compare to other credit unions?

State Employees' scores 80/100, higher than 36% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (72.64% vs 83.90%).

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'?

State Employees' is a state-chartered 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. State Employees''s net worth ratio of 9.98% exceeds the 7% threshold NCUA considers "well capitalized."

Data sources

Related

How health scores work →

Data sourced from the NCUA 5300 Call Report (2025Q4) for State Employees'. Retrieved and formatted by PlainCU. See our methodology for details.

Disclaimer: Not affiliated with NCUA. For informational purposes only.

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.