Southeast Michigan State Employees Federal Credit Union is a federal credit union headquartered in West Bloomfield, Michigan, in business for about 74 years. At the end of Q2 2026 it reported $51.5M in total assets and $45.8M in member shares and deposits, with 1 office.
Southeast Michigan State Employees Federal Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 32% of its 2,479 credit unions with under $100 million in assets. Among 169 credit unions headquartered in Michigan, it ranks 131st. Funding & liquidity contributes the most (100/100, 18% loans-to-deposits, 6% uninsured); loan quality contributes the least (29/100, 2.14%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 5 points (71 → 66), mostly because the loan quality component weakened by 20 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 49 |
| Q3 2024 | 49 |
| Q4 2024 | 51 |
| Q1 2025 | 59 |
| Q2 2025 | 71 |
| Q3 2025 | 71 |
| Q4 2025 | 58 |
| Q1 2026 | 68 |
| Q2 2026 | 66 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.41% |
| Q3 2024 | 10.63% |
| Q4 2024 | 10.77% |
| Q1 2025 | 10.86% |
| Q2 2025 | 11.20% |
| Q3 2025 | 11.55% |
| Q4 2025 | 11.60% |
| Q1 2026 | 11.80% |
| Q2 2026 | 12.07% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 4.81% |
| Q3 2024 | 3.65% |
| Q4 2024 | 3.49% |
| Q1 2025 | 3.35% |
| Q2 2025 | 1.52% |
| Q3 2025 | 1.58% |
| Q4 2025 | 3.89% |
| Q1 2026 | 1.83% |
| Q2 2026 | 2.14% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.73% |
| Q3 2024 | 0.57% |
| Q4 2024 | 0.71% |
| Q1 2025 | 1.62% |
| Q2 2025 | 1.45% |
| Q3 2025 | 1.37% |
| Q4 2025 | 1.31% |
| Q1 2026 | 1.18% |
| Q2 2026 | 1.09% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $51.5M | 12.07% | 2.14% | 1.09% | 18.0% |
| Q1 2026 | 68 | $51.5M | 11.80% | 1.83% | 1.18% | 17.9% |
| Q4 2025 | 58 | $51.1M | 11.60% | 3.89% | 1.31% | 18.1% |
| Q3 2025 | 71 | $50.8M | 11.55% | 1.58% | 1.37% | 18.6% |
| Q2 2025 | 71 | $51.1M | 11.20% | 1.52% | 1.45% | 17.3% |
| Q1 2025 | 59 | $51.1M | 10.86% | 3.35% | 1.62% | 17.6% |
| Q4 2024 | 51 | $49.6M | 10.77% | 3.49% | 0.71% | 18.7% |
| Q3 2024 | 49 | $49.9M | 10.63% | 3.65% | 0.57% | 19.7% |
| Q2 2024 | 49 | $50.6M | 10.41% | 4.81% | 0.73% | 20.9% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Country Heritage Credit UnionCredit union Buchanan, MI | 75 out of 100, Strong | $51.4M | 22.5% | 1.54% | vs |
| Aeroquip Credit UnionCredit union Jackson, MI | 78 out of 100, Strong | $51.6M | 15.8% | 0.62% | vs |
| Tri-Cities Credit UnionCredit union Grand Haven, MI | 86 out of 100, Very strong | $51.3M | 13.9% | 0.05% | vs |
| Gr Consumers Credit UnionCredit union Wyoming, MI | 86 out of 100, Very strong | $52.0M | 16.6% | 0.16% | vs |
| Lakeshore Federal Credit UnionCredit union Muskegon, MI | 78 out of 100, Strong | $45.2M | 11.9% | 0.04% | vs |
| Manistique Federal Credit UnionCredit union Manistique, MI | 79 out of 100, Strong | $44.2M | 15.8% | 1.92% | vs |
Deposit insurance
Is my money safe at Southeast Michigan State Employees Federal Credit Union?
Yes. Southeast Michigan State Employees Federal Credit Union is a federally insured credit union (NCUA charter #7628). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 6.4% of shares and deposits ($2.9M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 12.07%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Southeast Michigan State Employees Federal Credit Union lists 1 office in 1 city. Most locations:
Identity & history
Profile
- Legal name
- Southeast Michigan State Employees Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 7628
- RSSD ID
- 224888
- Primary regulator
- NCUA
- Established
- 1952
- Headquarters
- 6230 Orchard Lake Road, 290, West Bloomfield, MI 48322
- Employees
- 12
Quick answers
Southeast Michigan State Employees Federal Credit Union: common questions
Is Southeast Michigan State Employees Federal Credit Union NCUA insured?
Yes. Southeast Michigan State Employees Federal Credit Union is a federally insured credit union (NCUA charter #7628). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Southeast Michigan State Employees Federal Credit Union's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Southeast Michigan State Employees Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near West Bloomfield
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| JPMorgan Chase Bank, DearbornBank Dearborn, MI | 94 out of 100, Very strong | $71.5M | 99.6% | 0.00% | vs |
| I.M. Detroit District Credit UnionCredit union Detroit, MI | 93 out of 100, Very strong | $1.9M | 28.1% | 0.00% | vs |
| The Local Credit UnionCredit union Sterling Height, MI | 92 out of 100, Very strong | $106.6M | 16.1% | 0.26% | vs |
| Electrical Workers Local 58 Credit UnionCredit union Detroit, MI | 90 out of 100, Very strong | $21.4M | 12.2% | 0.09% | vs |
| Jessop Community Federal Credit UnionCredit union Washington, PA | 87 out of 100, Very strong | $34.1M | 13.8% | 0.38% | vs |
| Cha-Tel Federal Credit UnionCredit union Charleston, WV | 86 out of 100, Very strong | $11.5M | 13.6% | 0.04% | vs |