This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Credit union
LINTHICUM, MD
Health score
70.5
Total assets
$5.7B
Answer first
TOWER leads on financial health and capitalization and profitability and lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
TOWER
Higher TFS health score
Capitalization
TOWER
Higher comparable capital ratio
Profitability
TOWER
Higher return on assets
Lending quality
TOWER
Lower problem-loan measure
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | STATE EMPLOYEES CU OF MARYLAND, INC | TOWER |
|---|---|---|
| TFS health score | 70.5/100 | 86.6/100Leads |
| Total assets | $5.7B | $5.0B |
| Total deposits / shares | $5.0B | $4.3B |
| Net worth ratio | 10.38% | 13.99%Leads |
| Return on assets | 0.75% | 1.06%Leads |
| Return on equity | 7.20% | 7.55% |
STATE EMPLOYEES CU OF MARYLAND, INC
27 branches
TOWER
17 branches
Both institutions report branches in 1 state: MD.
STATE EMPLOYEES CU OF MARYLAND, INC
Unavailable
TOWER
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
STATE EMPLOYEES CU OF MARYLAND, INC
0 in TFS registry
TOWER
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
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Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 60+ day delinquency | 0.54% | 0.33%Leads |
| Net charge-offs | 0.44% | 0.28%Leads |
| Efficiency ratio | — | — |
| Loan-to-deposit ratio | 89.95% | 85.83% |
| Asset growth (YoY) | — | — |
| Deposit / share growth (YoY) | — | — |
| Branches | 27 | 17 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |