Side-by-side · Q2 2026 data
Lm Federal Credit Union vs State Employees CU of Maryland, Inc Credit Union
Credit union
State Employees CU of Maryland, Inc Credit Union
Linthicum, Maryland · $1 billion – $10 billion
Metric by metric
| Measure | Lm Federal Credit Union | State Employees CU of Maryland, Inc Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 64 |
| Capital cushion | 74 (stronger) | 54 |
| Loan quality | 95 (stronger) | 71 |
| Earnings | 76 (stronger) | 53 |
| Funding & liquidity | 80 (stronger) | 70 |
| Problem-loan coverage | 98 (stronger) | 87 |
| Peer percentile | 72nd | 36th |
| Total assets | $60.3M | $5.8B |
| Deposits / shares | $52.5M | $5.0B |
| Capital ratio | 12.40% (stronger) | 10.43% |
| Problem loans | 0.14% (stronger) | 0.86% |
| Net charge-offs | 0.07% (stronger) | 0.54% |
| Return on assets | 1.41% (stronger) | 0.84% |
| Loans ÷ deposits | 80.4% (stronger) | 90.5% |
| Uninsured deposits | 6.7% | 4.3% (stronger) |
| Offices | 3 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lm Federal Credit Union has the higher TellerScore (83 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Lm Federal Credit Union leads on 6 and State Employees CU of Maryland, Inc Credit Union on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.