State credit union · LINTHICUM, Maryland · NCUA charter #66330
State Employees Cu of Maryland, Inc
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $5.77B
- Total assets
- 268,466
- Members
- 10.4%
- Net-worth ratio
State Employees Cu of Maryland, Inc scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.77B; members 268,466; net-worth ratio 10.38%; health rank #536 of 4,374; healthier than 87th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#536 of 4,374 health · 2025Q4State Employees Cu · health 94/100 · $5.77B · 2025Q4
State Employees Cu of Maryland, Inc in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
State Employees Cu of Maryland, Inc vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); State Employees Cu of Maryland, Inc sits in 90-94 with 747 others.
94 Top 13% higher than 87% 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
Peer-gap read for State Employees Cu of Maryland, Inc
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +9.03 pp (92.93% vs 83.90%).
- Net Worth Ratio trails the peer set - 10.38% here, 11.18% peer average (-0.80 pp).
Where State Employees Cu of Maryland, Inc sits in Maryland
- Health composite ranks #6 of 62 among scored Maryland credit unions.
- Assets rank #1 of 62 inside Maryland ($5.77B reported).
- Maryland membership ordinal: #1 of 62.
- One place up in Maryland, First Financial of Maryland (#5) ties at 94/100; one place down, Aberdeen Proving Ground (#7) ties at 94/100.
State Employees Cu of Maryland, Inc: 2025Q4 → 2026Q1
State Employees Cu of Maryland, Inc: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.8% from $5.77B (2025Q4) to $5.73B (2026Q1).
- Net-worth ratio shifted +0.27 pp (10.11% → 10.38%).
This credit union's 10.38% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 94/100 score is built
State Employees Cu of Maryland, Inc gives up 6 points in total. Member Growth costs the most, 2.7 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.3 pts
- Return on Assets 15.0 pts
- Member Growth 12.3 pts
- Loan-to-Share Ratio 13.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.38% | -0.80 pp |
| Delinquency Rate | 0.67% | -0.20 pp |
| Return on Assets | 0.77% | +0.26 pp |
| Member Growth | 2.77% | - |
| Loan-to-Share Ratio | 92.93% | +9.03 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.73B | - |
| 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
Branch Locations (27)
Per its most recent NCUA branch filing, State Employees Cu of Maryland, Inc runs 27 offices in 21 different cities.
| Office | City |
|---|---|
| SECU Credit Union (Main Office) | Linthicum, MD |
| SECU Credit Union - Annapolis | Annapolis, MD |
| SECU - Annapolis Towne Centre | Annapolis, MD |
| SECU Credit Union - Fullerton | Baltimore, MD |
| SECU Credit Union - Security at Chadwick | Baltimore, MD |
| SECU Credit Union - Baltimore State Office Complex | Baltimore, MD |
| SECU Credit Union UMB | Baltimore, MD |
| SECU Credit Union - Bel Air | Bel Air, MD |
| SECU Credit Union - Greenbelt Road | Berwyn Heights, MD |
| SECU Credit Union - Clarksville | Clarksville, MD |
| SCEU Credit Union - Columbia Branch | Columbia, MD |
| SECU Credit Union - Crofton | Crofton, MD |
| SECU Credit Union Rockville - Shady Grove | Derwood, MD |
| SECU Credit Union - Ellicott City | Ellicott City, MD |
| SECU Credit Union Frederick | Frederick, MD |
| SECU Credit Union Maple Lawn | Fulton, MD |
| SECU Credit Union - Glen Burnie | Glen Burnie, MD |
| SECU Credit Union - Hagerstown | Hagerstown, MD |
| SECU Credit Union - LaVale | LaVale, MD |
| SECU Credit Union | Linthicum, MD |
| SECU University | Linthicum, MD |
| SECU Credit Union - Owings Mills | Owings Mills, MD |
| SECU Credit Union - Pasadena | Pasadena, MD |
| SECU Credit Union - Salisbury | Salisbury, MD |
| SECU Credit Union Silver Spring | Silver Spring, MD |
| SECU Credit Union - Timonium | Timonium, MD |
| SECU Credit Union - Towson | Towson, MD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
Other federally-insured credit unions in Maryland, closest first by peer group and asset size.
State Employees Cu of Maryland, Inc nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- State Employees Cu of Maryland, Inc ranks #536 of 4,374 nationally on financial health and #6 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NASA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NASA
Frequently Asked Questions
Is State Employees Cu of Maryland, Inc financially healthy?
State Employees Cu of Maryland, Inc has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #536 of 4,374 nationally on health and #6 of 62 in Maryland. Its net worth ratio is 10.38% and its delinquency rate 0.67%.
How does State Employees Cu of Maryland, Inc compare to other credit unions?
State Employees Cu of Maryland, Inc scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (92.93% vs 83.90%). Its widest shortfall is net worth ratio (10.38% vs 11.18%).
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?
State Employees Cu of Maryland, Inc 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 Cu of Maryland, Inc's net worth ratio of 10.38% 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.