TellerScore

Headquartered in Raleigh, North Carolina, State Employees' Credit Union is a federally insured state-chartered credit union with $60.0B in total assets and $53.5B in member shares and deposits as of Q2 2026. It operates 280 offices. Its charter dates back to 1937.

Based on its Q2 2026 filing, State Employees' Credit Union scores 50/100, which we describe as below average. That is higher than only 6% of 25 credit unions with over $10 billion. Among 57 credit unions headquartered in North Carolina, it ranks 50th. Its strongest component is funding & liquidity (88/100; 72% loans-to-deposits, 9% uninsured), and its lowest is loan quality (21/100; 2.38%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Net worth ratio: 10.12%
Loan quality21/100
Loans 60+ days delinquent ÷ total loans: 2.38%
Earnings49/100
Return on assets (annualized): 0.72%
Funding & liquidity88/100
Loans ÷ shares: 72.3% · 8.6% uninsured
Problem-loan coverage69/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 15.45%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (51 → 50).

TellerScore
425058Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202449
Q3 202444
Q4 202442
Q1 202556
Q2 202551
Q3 202550
Q4 202548
Q1 202658
Q2 202650
Net worth ratio
7.00%8.68%10.35%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.89%
Q3 20249.71%
Q4 202410.35%
Q1 202510.30%
Q2 202510.20%
Q3 202510.15%
Q4 202510.10%
Q1 20269.98%
Q2 202610.12%
Delinquent loans (60+ days)
1.44%2.34%3.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.11%
Q3 20242.52%
Q4 20243.24%
Q1 20251.55%
Q2 20252.22%
Q3 20252.41%
Q4 20252.63%
Q1 20261.44%
Q2 20262.38%
Return on assets
0.32%0.52%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.32%
Q3 20240.35%
Q4 20240.36%
Q1 20250.32%
Q2 20250.64%
Q3 20250.70%
Q4 20250.69%
Q1 20260.64%
Q2 20260.72%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$60.0B10.12%2.38%0.72%72.3%
Q1 202658$59.8B9.98%1.44%0.64%71.1%
Q4 202548$58.1B10.10%2.63%0.69%72.6%
Q3 202550$56.8B10.15%2.41%0.70%73.5%
Q2 202551$56.2B10.20%2.22%0.64%72.8%
Q1 202556$55.4B10.30%1.55%0.32%72.3%
Q4 202442$53.0B10.35%3.24%0.36%74.6%
Q3 202444$57.2B9.71%2.52%0.35%75.2%
Q2 202449$56.5B9.89%2.11%0.32%74.6%

25 peers · Over $10 billion

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).

Capital ratio10.12%
44th
Problem loans2.38%
0th
Net charge-offs0.66%
58th
Return on assets0.72%
38th
Loans to deposits72.3%
88th
Uninsured deposits8.6%
79th
Loan-loss reserves0.00%
50th
Texas ratio15.4%
8th

Deposit insurance

Is my money safe at State Employees' Credit Union?

Yes. State Employees' Credit Union is a federally insured credit union (NCUA charter #66310). 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 8.6% of shares and deposits ($4.6B) are above the $250,000 NCUA insurance limit, below the peer median of 12%. Insured balances are protected regardless of the score.

The net worth ratio is 10.12%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

280 locations

Branches

State Employees' Credit Union lists 280 offices in 172 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
State Employees' Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66310
RSSD ID
1189117
Primary regulator
State + NCUA
Established
1937
Headquarters
119 N Salisbury St, Raleigh, NC 27603
Employees
8,171

Quick answers

State Employees' Credit Union: common questions

Is State Employees' Credit Union NCUA insured?

Yes. State Employees' Credit Union is a federally insured credit union (NCUA charter #66310). 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 State Employees' Credit Union's TellerScore?

50 out of 100 (Below average), 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 State Employees' Credit Union have?

280 offices as of the latest NCUA data.

Nearby

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