Credit Union Safety Analysis
Is State Employees Credit Union of Maryland Inc. Safe? Linthicum Heights, Maryland
Based on its Q2 2026 NCUA 5300 call report, State Employees Credit Union of Maryland Inc. has a net worth ratio of 10.43%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.86%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, State Employees Credit Union of Maryland Inc.'s net worth ratio is 10.43%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.43%
- Delinquency ratio (60+ days) (Q2 2026): 0.86%
- Return on assets (Q2 2026): 0.94%
- Loan-to-share ratio (Q2 2026): 90.54%
State Employees Credit Union of Maryland Inc. (NCUA charter 66330, established 1951) reported $5.83B in assets and 274,489 members for Q2 2026 from Linthicum Heights, Maryland. It is the largest of 58 credit unions in Maryland by total assets. Total assets grew 3.5% from $5.64B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 10.38% for Q1 2026; 10.01% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.54% for Q1 2026; 0.61% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.75% for Q1 2026; 0.73% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 89.95% for Q1 2026; 94.43% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $3.60B
- Commercial loans: $306.8M
- Used vehicle loans: $235.4M
- Unsecured credit card loans: $187.6M
- Other unsecured loans and lines of credit: $107.8M
- New vehicle loans: $97.2M
- Non-federally guaranteed student loans: $10.7M
- Other secured non-real estate loans and lines of credit: $4.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $5.83B | 10.43% | 0.86% | 0.94% | 90.54% |
| March 31, 2026 | $5.73B | 10.38% | 0.54% | 0.75% | 89.95% |
| December 31, 2025 | $5.77B | 10.11% | 0.67% | 1.00% | 92.93% |
| September 30, 2025 | $5.69B | 10.12% | 0.69% | 0.78% | 95.42% |
| June 30, 2025 | $5.64B | 10.01% | 0.61% | 0.73% | 94.43% |
| March 31, 2025 | $5.58B | 9.94% | 0.54% | 0.40% | 91.24% |
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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 of Maryland Inc. profile
Regulator records: NCUA credit union profile (charter 66330) · FFIEC NIC profile (RSSD 218597)
Frequently asked questions
Is State Employees Credit Union of Maryland Inc. well capitalized?
On its Q2 2026 NCUA 5300 call report, State Employees Credit Union of Maryland Inc.'s net worth ratio is 10.43%, above the 7% NCUA threshold for well capitalized.
Is State Employees Credit Union of Maryland Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. State Employees Credit Union of Maryland Inc. is a federally insured credit union (NCUA charter 66330): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are State Employees Credit Union of Maryland Inc.'s key safety ratios?
For Q2 2026, State Employees Credit Union of Maryland Inc. reports net worth 10.43%, delinquency 0.86%, ROA 0.94%, loan-to-share 90.54%.
What happens to my money if State Employees Credit Union of Maryland Inc. fails?
For Q2 2026, State Employees Credit Union of Maryland Inc. held $5.02B in shares and deposits for 274,489 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.