State credit union · LINTHICUM, Maryland · NCUA charter #66330

State Employees Cu of Maryland, Inc

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

80
Health / 100
$5.77B
Total assets
268,466
Members
6.1%
Net-worth ratio

State Employees Cu of Maryland, Inc - Share Insurance Coverage

Read from the 2025Q4 NCUA Call Report for charter #66330: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.

NCUSIF coverage gauge for State Employees Cu of Maryland, Inc Share insurance under NCUSIF covers up to $250,000 per share owner. State Employees Cu of Maryland, Inc holds approximately $4.8B in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 6.1 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 6.1% · $4.8B member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

State Employees Cu of Maryland, Inc - Five Health Pillars

Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.

  • Capital (net worth ratio) 6.05% 30% weight
  • Asset quality (delinquency) 0.67% 25% weight
  • Earnings (ROA) 0.77% 15% weight
  • Member growth 2.77% 15% weight
  • Liquidity (loan-to-share) 93% 15% weight

Weighted composite: 80/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 40.3%

This institution's 6.05% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.

$5.77B
Total Assets
268,466
Members
$4.51B
Total Loans
$4.85B
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 6.05% 30%
Delinquency Rate 0.67% 25%
Return on Assets 0.77% 15%
Member Growth 2.77% 15%
Loan-to-Share Ratio 92.93% 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 $5.77B 268,466
2024Q4 $5.47B 261,226
2023Q4 $5.28B 254,115

Credit Union Details

Charter Number
66330
Type
State
Field of Membership
Other
Peer Group
Over $500M
State
Maryland
City
LINTHICUM
Data Quarter
2025Q4

What This Data Says About State Employees Cu of Maryland, Inc

Charter #66330, peer group Over $500M, a cohort of 749 similarly-sized institutions: that's State Employees Cu of Maryland, Inc, a state credit union in LINTHICUM, Maryland with 268,466 members, $5.77B in total assets, and $4.51B in outstanding loans as of Q4 2025. The five-factor composite scores it 80/100 (Excellent), helped by a net worth ratio of 6.05% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.

Deposits deployed into lending sit at a 92.93% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.67% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Return on assets stands at 0.77% on net income of $44.6M 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 2.77%. 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 Maryland

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

Compare State Employees Cu of Maryland, Inc vs NASA

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 Cu of Maryland, Inc financially healthy?

State Employees Cu of Maryland, Inc has a financial health score of 80/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 6.05% and delinquency rate of 0.67%.

How does State Employees Cu of Maryland, Inc compare to other credit unions?

On PlainCU's health composite, State Employees Cu of Maryland, Inc lands at 80/100, 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 Cu of Maryland, Inc?

Membership eligibility for State Employees Cu of Maryland, Inc 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 Cu of Maryland, Inc directly for current membership requirements and application steps.

Is my money safe at State Employees Cu of Maryland, Inc?

Federal credit unions like State Employees Cu of Maryland, Inc 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 Cu of Maryland, Inc's net worth ratio of 6.05% is relative to the 7% threshold NCUA considers "well capitalized."

What rates does State Employees Cu of Maryland, Inc offer compared to banks?

Credit unions like State Employees Cu of Maryland, Inc 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 Cu of Maryland, Inc 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.