TellerScore

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

Capital cushion54/100
Net worth ratio: 10.43%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.86%
Earnings53/100
Return on assets (annualized): 0.84%
Funding & liquidity70/100
Loans ÷ shares: 90.5% · 4.3% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.41%

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).

TellerScore
626466Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202465
Q3 202464
Q4 202466
Q1 202562
Q2 202563
Q3 202562
Q4 202564
Q1 202666
Q2 202664
Net worth ratio
7.00%8.71%10.43%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20249.46%
Q3 20249.45%
Q4 202410.03%
Q1 20259.94%
Q2 202510.01%
Q3 202510.12%
Q4 202510.11%
Q1 202610.38%
Q2 202610.43%
Delinquent loans (60+ days)
0.43%0.64%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.44%
Q3 20240.43%
Q4 20240.51%
Q1 20250.54%
Q2 20250.61%
Q3 20250.69%
Q4 20250.67%
Q1 20260.54%
Q2 20260.86%
Return on assets
0.40%0.62%0.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.74%
Q3 20240.66%
Q4 20240.82%
Q1 20250.40%
Q2 20250.57%
Q3 20250.63%
Q4 20250.72%
Q1 20260.75%
Q2 20260.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$5.8B10.43%0.86%0.84%90.5%
Q1 202666$5.7B10.38%0.54%0.75%90.0%
Q4 202564$5.8B10.11%0.67%0.72%92.9%
Q3 202562$5.7B10.12%0.69%0.63%95.4%
Q2 202563$5.6B10.01%0.61%0.57%94.4%
Q1 202562$5.6B9.94%0.54%0.40%91.2%
Q4 202466$5.5B10.03%0.51%0.82%92.3%
Q3 202464$5.7B9.45%0.43%0.66%91.5%
Q2 202465$5.6B9.46%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).

Capital ratio10.43%
38th
Problem loans0.86%
36th
Net charge-offs0.54%
48th
Return on assets0.84%
53rd
Loans to deposits90.5%
42nd
Uninsured deposits4.3%
92nd
Loan-loss reserves0.00%
50th
Texas ratio6.4%
33rd

Similar-size credit unions in Maryland

InstitutionScoreAssetsCapitalProblem loansCompare
NASA Federal Credit UnionCredit union Upper Marlboro, MD66 out of 100, Moderate$5.8B10.5%0.53%vs
Tower Federal Credit UnionCredit union Laurel, MD83 out of 100, Strong$5.0B14.3%0.39%vs
Aberdeen Proving Ground Federal Credit UnionCredit union Aberdeen, MD64 out of 100, Moderate$2.7B9.3%0.53%vs
Andrews Federal Credit UnionCredit union Suitland, MD53 out of 100, Below average$2.7B10.6%1.51%vs
Lafayette Federal Credit UnionCredit union Rockville, MD53 out of 100, Below average$2.1B12.4%2.33%vs
First Financial of Maryland Federal Credit UnionCredit union Sparks, MD79 out of 100, Strong$1.4B16.7%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.

Check how much of your own balance is covered

24 locations

Branches

State Employees CU of Maryland, Inc Credit Union lists 24 offices in 19 cities. Most locations:

All branch addresses and map

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

InstitutionScoreAssetsCapitalProblem loansCompare
Mt Gilead Federal Credit UnionCredit union Washington, DC93 out of 100, Very strong$78K17.5%0.00%vs
Mt. Jezreel Federal Credit UnionCredit union Silver Spring, MD84 out of 100, Strong$191K20.1%0.00%vs
Library of Congress Federal Credit UnionCredit union Washington, DC84 out of 100, Strong$338.2M16.6%0.53%vs
Tower Federal Credit UnionCredit union Laurel, MD83 out of 100, Strong$5.0B14.3%0.39%vs
Lm Federal Credit UnionCredit union Baltimore, MD83 out of 100, Strong$60.3M12.4%0.14%vs
BayVanguard BankBank Baltimore, MD80 out of 100, Strong$868.7M17.1%0.48%vs