State Employees Credit Union of Maryland Inc. Linthicum Heights, Maryland
State Employees Credit Union of Maryland Inc. is a state-chartered credit union headquartered in Linthicum Heights, MD, established in 1951 (NCUA charter 66330), and it is regulated and insured by the NCUA. At Q2 2026 it reported 274,489 members and total assets of $5.83B (up 3.5% from Q2 2025), the largest of 58 credit unions headquartered in Maryland. Its net worth ratio was 10.43% at Q2 2026, in the well capitalized band.
Trade names filed with the NCUA: SECU Credit Union and SECU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 66330
- Headquarters
- Linthicum Heights, MD
- Established
- 1951
- Total assets, Q2 2026
- $5.83B
- Assets vs Q2 2025
- +3.5%
- Members, Q2 2026
- 274,489
- Net worth ratio, Q2 2026
- 10.43%
- Latest call report
- Q2 2026, NCUA 5300 · State Employees Credit Union of Maryland Inc. call report
- Asset rank in state
- 1st of 58 in Maryland
- Routing number
- 255076753
- Branches
- 27
It has 7,531 more members than on June 30, 2025 (+2.8%). Its net worth ratio was up 0.42 percentage points from 10.01% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $3.60B of $4.55B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.86% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 10.43% net worth ratio is below that band's 10.89% median.
Credit unions similar in size in Maryland
Frequently asked about State Employees Credit Union of Maryland Inc.
How big is State Employees Credit Union of Maryland Inc.?
At Q2 2026 it reported total assets of $5.83B and 274,489 members.
Where is State Employees Credit Union of Maryland Inc. headquartered?
It is headquartered in Linthicum Heights, MD, United States.
When was State Employees Credit Union of Maryland Inc. founded?
It was established in 1951, per NCUA records.
Is State Employees Credit Union of Maryland Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66330): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates State Employees Credit Union of Maryland Inc.?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is State Employees Credit Union of Maryland Inc. well capitalized?
Its net worth ratio was 10.43% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is State Employees Credit Union of Maryland Inc.'s delinquency ratio?
Its delinquency ratio was 0.86% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is State Employees Credit Union of Maryland Inc.'s loan-to-share ratio?
Its loan-to-share ratio was 90.54% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Linthicum Heights, MD 21090
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1951
- NCUA Charter #
- 66330
- RSSD ID
- 218597
- Members
- 274,489
- Potential members
- 2,100,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 10.43% | 10.89% | 39th below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.94% | 0.89% | 54th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 8.99% | 8.07% | 58th above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.09% | 3.45% | 27th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 71.66% | 70.59% | 46th below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.46% | 1.68% | 68th above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.86% | 0.68% | 38th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.55% | 5.12% | 18th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 90.54% | 88.03% | 59th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$5.83B total assets against $5.64B; $5.02B total shares and deposits against $4.73B; $4.55B total loans against $4.47B.
$608.3M net worth against $565.3M.
10.43% net worth ratio against 10.01%.
90.54% loan-to-share ratio against 94.43%.
0.86% delinquency ratio against 0.61%.
0.94% return on assets against 0.73%; 8.99% return on equity against 7.31%.
3.09% net interest margin against 3.07%.
274,489 members against 266,958.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.43% | 0.94% | 0.86% | 90.54% |
| March 31, 2026 | 10.38% | 0.75% | 0.54% | 89.95% |
| December 31, 2025 | 10.11% | 1.00% | 0.67% | 92.93% |
| September 30, 2025 | 10.12% | 0.78% | 0.69% | 95.42% |
| June 30, 2025 | 10.01% | 0.73% | 0.61% | 94.43% |
| March 31, 2025 | 9.94% | 0.40% | 0.54% | 91.24% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.