Credit Union Safety Analysis
Is State Employees Credit Union Safe? Raleigh, North Carolina
Based on its Q2 2026 NCUA 5300 call report, State Employees Credit Union has a net worth ratio of 10.12%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.38%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of State Employees Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, State Employees Credit Union's net worth ratio is 10.12%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.12%
- Delinquency ratio (60+ days) (Q2 2026): 2.38%
- Return on assets (Q2 2026): 0.81%
- Loan-to-share ratio (Q2 2026): 72.30%
State Employees Credit Union (NCUA charter 66310, established 1937) reported $59.97B in assets and 2,998,339 members for Q2 2026 from Raleigh, North Carolina. It is the largest of 56 credit unions in North Carolina by total assets. Total assets grew 6.7% from $56.20B on June 30, 2025. It has 61,580 more members than on June 30, 2025 (+2.1%). Its net worth ratio was down 0.08 percentage points from 10.20% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $30.49B of $38.67B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.38% is above the 0.91% median of the 24 credit unions with $10B to $100B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 24 credit unions with $10B to $100B in assets: 10.42%; middle half of peers: 9.55% to 11.84%.
Earlier filings: 9.98% for Q1 2026; 10.20% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.91%; middle half of peers: 0.64% to 1.27%.
Earlier filings: 1.44% for Q1 2026; 2.22% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.97%; middle half of peers: 0.59% to 1.31%.
Earlier filings: 0.64% for Q1 2026; 0.98% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 89.87%; middle half of peers: 81.23% to 93.33%.
Earlier filings: 71.08% for Q1 2026; 72.84% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $30.49B
- Other unsecured loans and lines of credit: $2.89B
- Used vehicle loans: $2.87B
- Unsecured credit card loans: $1.25B
- New vehicle loans: $1.11B
- Other secured non-real estate loans and lines of credit: $59.8M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $59.97B | 10.12% | 2.38% | 0.81% | 72.30% |
| March 31, 2026 | $59.76B | 9.98% | 1.44% | 0.64% | 71.08% |
| December 31, 2025 | $58.12B | 10.10% | 2.63% | 0.72% | 72.64% |
| September 30, 2025 | $56.79B | 10.15% | 2.41% | 0.81% | 73.49% |
| June 30, 2025 | $56.20B | 10.20% | 2.22% | 0.98% | 72.84% |
| March 31, 2025 | $55.39B | 10.30% | 1.55% | 0.33% | 72.27% |
Add this badge to your website
Free to use. It shows State Employees Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
State Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 66310) · FFIEC NIC profile (RSSD 1189117)
Frequently asked questions
Is State Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, State Employees Credit Union's net worth ratio is 10.12%, above the 7% NCUA threshold for well capitalized.
Is State Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. State Employees Credit Union is a federally insured credit union (NCUA charter 66310): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are State Employees Credit Union's key safety ratios?
For Q2 2026, State Employees Credit Union reports net worth 10.12%, delinquency 2.38%, ROA 0.81%, loan-to-share 72.30%.
What happens to my money if State Employees Credit Union fails?
For Q2 2026, State Employees Credit Union held $53.49B in shares and deposits for 2,998,339 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.