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
- BOOK 94/100
- CHARTER 10.4%
- NCUSIF 0.67%
- CAMELS 0.77%
- HEALTH $5.77B
- NW 268,466
- DELQ #536/4,374
- ROA ROYAL
- ASSETS 66330
State Employees Cu of Maryland, Inc in the assets neighbourhood
State Employees Cu of Maryland, Inc's $5.77B assets sit next to ROYAL ($5.83B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
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.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
State Employees Cu of Maryland, Inc: 2025Q4 → 2026Q1
State Employees Cu of Maryland, Inc: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.8% from $5.77B (2025Q4) to $5.73B (2026Q1).
- Net-worth ratio shifted +0.27 pp (10.11% → 10.38%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Two NCUA Call Report peer sets for State Employees Cu of Maryland, Inc, both outside Maryland so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($5.77B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Maryland credit unions compare overall before assuming this one is typical. Maryland state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #536 of 4,374; by total assets it ranks #70 of 4,374 nationally (same basis as /rankings/largest); and #1 of 62 within Maryland. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.38% 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 94/100, 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 10.38% exceeds 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.
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.