State Employees CU Of Maryland, Inc Credit Union
Total assets
$5.73B
▲ +2.7% YoY
Shares & deposits
$4.98B
▲ +3.9% YoY
Loans
$4.48B
▲ +2.4% YoY
Members
271,172
▲ +2.7% YoY
ROA (annualized)
0.75%
peers 0.71%
ROE (annualized)
7.20%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +5.1% | -2.4 pts |
| Share growth (YoY) | +3.9% | +4.9% | -1.0 pts |
| Loan growth (YoY) | +2.4% | +5.4% | -3.1 pts |
| ROA | 0.75% | 0.71% | +0.0 pts |
| ROE | 7.2% | 6.3% | +0.9 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
Profile
- Established
- 1951
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 971 Corporate Boulevard, Linthicum, MD, 21090
- NCUA charter #
- 66330
- RSSD ID
- 218597
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.73B | $4.98B | $4.48B | $594.6M | $10.7M | 0.75% | 3.05% | 0.54% | 271,172 |
| Q4 2025 | $5.77B | $4.85B | $4.51B | $583.9M | $41.5M | 0.72% | 2.98% | 0.67% | 268,466 |
| Q3 2025 | $5.69B | $4.73B | $4.52B | $576.4M | $27.0M | 0.63% | 3.02% | 0.69% | 269,179 |
| Q2 2025 | $5.64B | $4.73B | $4.47B | $565.3M | $15.9M | 0.57% | 2.98% | 0.61% | 266,958 |
| Q1 2025 | $5.58B | $4.79B | $4.37B | $555.0M | $5.6M | 0.40% | 2.92% | 0.54% | 264,154 |
| Q4 2024 | $5.47B | $4.70B | $4.34B | $549.3M | $44.6M | 0.82% | 2.88% | 0.51% | 261,226 |
| Q3 2024 | $5.70B | $4.64B | $4.24B | $540.1M | $28.3M | 0.66% | 2.75% | 0.43% | 261,235 |
| Q2 2024 | $5.62B | $4.54B | $4.11B | $532.7M | $20.9M | 0.74% | 2.81% | 0.44% | 258,375 |
Loan mix (Q1 2026): real estate $3.51B · commercial $304.0M · consumer $648.4M · securities $447.5M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 0.71% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 6.3% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.32% | 33th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.2% | 73.0% | 55th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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