Side-by-side · Q2 2026 data
Lafayette Federal Credit Union vs State Employees CU of Maryland, Inc Credit Union
Credit union
Lafayette Federal Credit Union
Rockville, Maryland · $1 billion – $10 billion
Credit union
State Employees CU of Maryland, Inc Credit Union
Linthicum, Maryland · $1 billion – $10 billion
Metric by metric
| Measure | Lafayette Federal Credit Union | State Employees CU of Maryland, Inc Credit Union |
|---|---|---|
| TellerScore | 53 | 64 (stronger) |
| Capital cushion | 74 (stronger) | 54 |
| Loan quality | 22 | 71 (stronger) |
| Earnings | 24 | 53 (stronger) |
| Funding & liquidity | 85 (stronger) | 70 |
| Problem-loan coverage | 82 | 87 (stronger) |
| Peer percentile | 10th | 36th |
| Total assets | $2.1B | $5.8B |
| Deposits / shares | $1.8B | $5.0B |
| Capital ratio | 12.44% (stronger) | 10.43% |
| Problem loans | 2.33% | 0.86% (stronger) |
| Net charge-offs | 4.37% | 0.54% (stronger) |
| Return on assets | 0.11% | 0.84% (stronger) |
| Loans ÷ deposits | 54.2% (stronger) | 90.5% |
| Uninsured deposits | 28.3% | 4.3% (stronger) |
| Offices | 8 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.7% | — |
State Employees CU of Maryland, Inc Credit Union has the higher TellerScore (64 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Lafayette Federal Credit Union leads on 2 and State Employees CU of Maryland, Inc Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.