State Employees CU of Maryland, Inc.
Linthicum, MD · Charter 66330 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 27 branches
Q2 2026
$5.8BAssets
$4.5BLoans
$5.0BShares
$608.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 55% of credit unions $1B-$10B in assets (rank 194 of 435).
- Widest gap: net interest margin trails 74% of credit unions $1B-$10B in assets (rank 320 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.84%
Rank 207 of 435
Net Interest Margin
3.04%
Rank 320 of 435
Efficiency Ratio
72.91%
Rank 239 of 435
Equity / Assets
10.43%
Rank 266 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.84% | 0.55% | 0.81% | 1.14% | Beats 52% | 207 / 435 | |
| Return on Equity | 8.02% | 5.12% | 7.41% | 9.70% | Beats 55% | 194 / 435 | |
| Net Interest Margin | 3.04% | 3.01% | 3.39% | 3.75% | Beats 26% | 320 / 435 | |
| Efficiency Ratio | 72.91% | 65.25% | 71.39% | 77.86% | Beats 45% | 239 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.86% | 0.45% | 0.69% | 1.05% | Beats 36% | 278 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.43% | 9.81% | 10.84% | 12.63% | Beats 39% | 266 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.43% | 9.81% | 10.84% | 12.63% | Beats 39% | 266 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 90.54% | 78.33% | 88.38% | 95.61% | 57th pctl | 186 / 435 | |
| Loans / Assets | 77.93% | 67.69% | 74.58% | 80.80% | 61st pctl | 168 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |