Side-by-side · Q2 2026 data
Tower 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 | Tower Federal Credit Union | State Employees CU of Maryland, Inc Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 64 |
| Capital cushion | 93 (stronger) | 54 |
| Loan quality | 87 (stronger) | 71 |
| Earnings | 66 (stronger) | 53 |
| Funding & liquidity | 72 (stronger) | 70 |
| Problem-loan coverage | 96 (stronger) | 87 |
| Peer percentile | 92nd | 36th |
| Total assets | $5.0B | $5.8B |
| Deposits / shares | $4.3B | $5.0B |
| Capital ratio | 14.31% (stronger) | 10.43% |
| Problem loans | 0.39% (stronger) | 0.86% |
| Net charge-offs | 0.26% (stronger) | 0.54% |
| Return on assets | 1.16% (stronger) | 0.84% |
| Loans ÷ deposits | 88.0% (stronger) | 90.5% |
| Uninsured deposits | 13.2% | 4.3% (stronger) |
| Offices | 13 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 30.4% | — |
Tower Federal Credit Union has the higher TellerScore (83 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Tower Federal Credit Union leads on 6 and State Employees CU of Maryland, Inc Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.