State Employees CU of Maryland, Inc Credit Union is a federally insured state-chartered credit union headquartered in Linthicum, Maryland, in business for about 75 years. At the end of Q2 2026 it reported $5.8B in total assets and $5.0B in member shares and deposits, with 24 offices.
Based on its Q2 2026 filing, State Employees CU of Maryland, Inc Credit Union scores 64/100, which we describe as moderate. That is higher than only 36% of 454 credit unions with $1 billion – $10 billion. Among 60 credit unions headquartered in Maryland, it ranks 36th. Its strongest component is problem-loan coverage (87/100; 6.4%), and its lowest is earnings (53/100; 0.84%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (63 → 64).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 64 |
| Q4 2024 | 66 |
| Q1 2025 | 62 |
| Q2 2025 | 63 |
| Q3 2025 | 62 |
| Q4 2025 | 64 |
| Q1 2026 | 66 |
| Q2 2026 | 64 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.46% |
| Q3 2024 | 9.45% |
| Q4 2024 | 10.03% |
| Q1 2025 | 9.94% |
| Q2 2025 | 10.01% |
| Q3 2025 | 10.12% |
| Q4 2025 | 10.11% |
| Q1 2026 | 10.38% |
| Q2 2026 | 10.43% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.44% |
| Q3 2024 | 0.43% |
| Q4 2024 | 0.51% |
| Q1 2025 | 0.54% |
| Q2 2025 | 0.61% |
| Q3 2025 | 0.69% |
| Q4 2025 | 0.67% |
| Q1 2026 | 0.54% |
| Q2 2026 | 0.86% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.74% |
| Q3 2024 | 0.66% |
| Q4 2024 | 0.82% |
| Q1 2025 | 0.40% |
| Q2 2025 | 0.57% |
| Q3 2025 | 0.63% |
| Q4 2025 | 0.72% |
| Q1 2026 | 0.75% |
| Q2 2026 | 0.84% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $5.8B | 10.43% | 0.86% | 0.84% | 90.5% |
| Q1 2026 | 66 | $5.7B | 10.38% | 0.54% | 0.75% | 90.0% |
| Q4 2025 | 64 | $5.8B | 10.11% | 0.67% | 0.72% | 92.9% |
| Q3 2025 | 62 | $5.7B | 10.12% | 0.69% | 0.63% | 95.4% |
| Q2 2025 | 63 | $5.6B | 10.01% | 0.61% | 0.57% | 94.4% |
| Q1 2025 | 62 | $5.6B | 9.94% | 0.54% | 0.40% | 91.2% |
| Q4 2024 | 66 | $5.5B | 10.03% | 0.51% | 0.82% | 92.3% |
| Q3 2024 | 64 | $5.7B | 9.45% | 0.43% | 0.66% | 91.5% |
| Q2 2024 | 65 | $5.6B | 9.46% | 0.44% | 0.74% | 90.5% |
454 peers · $1 billion – $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).
Similar-size credit unions in Maryland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| NASA Federal Credit UnionCredit union Upper Marlboro, MD | 66 out of 100, Moderate | $5.8B | 10.5% | 0.53% | vs |
| Tower Federal Credit UnionCredit union Laurel, MD | 83 out of 100, Strong | $5.0B | 14.3% | 0.39% | vs |
| Aberdeen Proving Ground Federal Credit UnionCredit union Aberdeen, MD | 64 out of 100, Moderate | $2.7B | 9.3% | 0.53% | vs |
| Andrews Federal Credit UnionCredit union Suitland, MD | 53 out of 100, Below average | $2.7B | 10.6% | 1.51% | vs |
| Lafayette Federal Credit UnionCredit union Rockville, MD | 53 out of 100, Below average | $2.1B | 12.4% | 2.33% | vs |
| First Financial of Maryland Federal Credit UnionCredit union Sparks, MD | 79 out of 100, Strong | $1.4B | 16.7% | 0.54% | vs |
Deposit insurance
Is my money safe at State Employees CU of Maryland, Inc Credit Union?
Yes. State Employees CU of Maryland, Inc Credit Union is a federally insured credit union (NCUA charter #66330). 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 4.3% of shares and deposits ($215.2M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 10.43%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
24 locations
Branches
State Employees CU of Maryland, Inc Credit Union lists 24 offices in 19 cities. Most locations:
- Baltimore, MD (4)
- Annapolis, MD (2)
- Linthicum, MD (2)
- Bel Air, MD (1)
- Berwyn Heights, MD (1)
- Clarksville, MD (1)
- Columbia, MD (1)
- Crofton, MD (1)
- Derwood, MD (1)
- Ellicott City, MD (1)
- Glen Burnie, MD (1)
- Hagerstown, MD (1)
Identity & history
Profile
- Legal name
- State Employees CU of Maryland, Inc Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 66330
- RSSD ID
- 218597
- Primary regulator
- State + NCUA
- Established
- 1951
- Headquarters
- 971 Corporate Boulevard, Linthicum, MD 21090
- Employees
- 552
Quick answers
State Employees CU of Maryland, Inc Credit Union: common questions
Is State Employees CU of Maryland, Inc Credit Union NCUA insured?
Yes. State Employees CU of Maryland, Inc Credit Union is a federally insured credit union (NCUA charter #66330). 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 CU of Maryland, Inc Credit Union's TellerScore?
64 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 State Employees CU of Maryland, Inc Credit Union have?
24 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Linthicum
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mt Gilead Federal Credit UnionCredit union Washington, DC | 93 out of 100, Very strong | $78K | 17.5% | 0.00% | vs |
| Mt. Jezreel Federal Credit UnionCredit union Silver Spring, MD | 84 out of 100, Strong | $191K | 20.1% | 0.00% | vs |
| Library of Congress Federal Credit UnionCredit union Washington, DC | 84 out of 100, Strong | $338.2M | 16.6% | 0.53% | vs |
| Tower Federal Credit UnionCredit union Laurel, MD | 83 out of 100, Strong | $5.0B | 14.3% | 0.39% | vs |
| Lm Federal Credit UnionCredit union Baltimore, MD | 83 out of 100, Strong | $60.3M | 12.4% | 0.14% | vs |
| BayVanguard BankBank Baltimore, MD | 80 out of 100, Strong | $868.7M | 17.1% | 0.48% | vs |