---
title: "State Employees' Credit Union SWIFT/BIC code SMCUUS31XXX · United States | Elucidate"
description: "SWIFT/BIC code SMCUUS31XXX for State Employees' Credit Union, United States. Head-office BIC, LEI 549300SHE1JTCOWBP090, addresses and Swift connectivity."
url: https://elucidate.co/directory/state-employees-credit-union-smcuus31
---
1. [Directory](https://elucidate.co/directory)
2. [United States](https://elucidate.co/directory/country/us)
3. State Employees' Credit Union
United States · Financial institution
# State Employees' Credit Union
Legal name in the LEI record STATE EMPLOYEES'
State Employees' Credit Union (SECU) is a state-chartered, federally insured, not-for-profit credit union with its head office in Raleigh, North Carolina. It is a cooperative owned by its members, who elect an 11-member volunteer Board of Directors. Since 1937 it has offered deposit accounts, mortgages, consumer loans and Visa credit cards, mainly to employees of the State of North Carolina and their families. It describes itself as the second largest credit union in the United States.
BIC **SMCUUS31XXX** LEI **[549300SHE1JTCOWBP090](https://search.gleif.org/#/record/549300SHE1JTCOWBP090)** Licence no. **Not on a tracked register** Passive participant (no connection) Head-office BIC only [Claim this profile](https://elucidate.co/directory/state-employees-credit-union-smcuus31#claim)
## Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
## Swift network
Swift’s ISO 9362 BIC directory
- **BIC:** SMCUUS31XXX head office
- **Connection to Swift:** Passive participant (no connection)
- **Swift GPI:** Not on the member list
- **Payment schemes and systems:** No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- **Branch codes:** None: head-office BIC only
- **BIC first registered:** 2010-02-06
- **Last updated:** 2010-02-06
## Overview
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/state-employees-credit-union-smcuus31#overview-sources)
Total assets
USD 60.3bn
This entity · 31 Jul 2026 · [interim report ↗](https://www.ncsecu.org/about-us/financial-status.html)
Employees
Not published
Ownership
Member-owned
Institution type
Credit union / building society
Trades as SECU
- **Ownership:** SECU is a not-for-profit financial cooperative owned by its members, who elect its Board of Directors.
- **Head office:** 119 N Salisbury St, 27603 Raleigh, United States
### Business lines
- Retail banking
- Mortgage lending
- Consumer finance
- Cards
- Private banking & wealth
SECU serves individual members through 275 branches in North Carolina, offering deposit accounts, mortgages, consumer loans and credit cards. Investment, brokerage and life insurance services are provided through affiliates, including Credit Union Investment Services, SECU Brokerage Services and SECU Life Insurance Company.
### Online
- **Websites & references:** [ncsecu.org ↗](https://www.ncsecu.org/) [locations.ncsecu.org ↗](https://locations.ncsecu.org/) branch and ATM locator [memberaccess.ncsecu.org ↗](https://memberaccess.ncsecu.org/pre-auth/login) online banking (Member Access) [Wikipedia ↗](https://en.wikipedia.org/wiki/State_Employees_Credit_Union)
- **Official social accounts:** [LinkedIn ↗](https://www.linkedin.com/company/secu) · [Facebook ↗](https://www.facebook.com/stateemployeescreditunion) · [Instagram ↗](https://www.instagram.com/ncsecu) · [YouTube ↗](https://www.youtube.com/c/ncsecu_videos)
Sources · 14 pages consulted
1. [ncsecu.org/](https://www.ncsecu.org/)
2. [ncsecu.org/about-us/board-of-directors.html](https://www.ncsecu.org/about-us/board-of-directors.html)
3. [ncsecu.org/about-us/financial-status.html](https://www.ncsecu.org/about-us/financial-status.html)
4. [ncsecu.org/about-us/corporate-information.html](https://www.ncsecu.org/about-us/corporate-information.html)
5. [ncsecu.org/newsroom.html](https://ncsecu.org/newsroom.html)
6. [ncsecu.org/newsroom/2026-year-in-review.html](https://www.ncsecu.org/newsroom/2026-year-in-review.html)
7. [ncsecu.org/accounts/services/wire-transfer.html](https://www.ncsecu.org/accounts/services/wire-transfer.html)
8. [ncsecu.org/contact-us.html](https://www.ncsecu.org/contact-us.html)
9. [ncsecu.org/about-us/corporate-information/governance](https://www.ncsecu.org/about-us/corporate-information/governance)
10. [businessnc.com/director-leaves-secu-board-citing-unnamed-policy-differences/](https://businessnc.com/director-leaves-secu-board-citing-unnamed-policy-differences/)
11. [businessnc.com/another-competitive-secu-board-election/](https://businessnc.com/another-competitive-secu-board-election/)
12. [businessnc.com/secu-members-favor-incumbents-in-contested-election/](https://businessnc.com/secu-members-favor-incumbents-in-contested-election/)
13. [americanbanker.com/creditunions/news/secu-names-its-first-female-ceo](https://www.americanbanker.com/creditunions/news/secu-names-its-first-female-ceo)
14. [en.wikipedia.org/wiki/State\_Employees\_Credit\_Union](https://en.wikipedia.org/wiki/State_Employees_Credit_Union)
## Leadership
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/state-employees-credit-union-smcuus31#overview-sources)
- **Chief executive:** Leigh W. Brady President and CEO Confirmed 29 Sep 2026 · [ncsecu.org ↗](https://www.ncsecu.org/newsroom/2026-year-in-review.html)
- **Chair:**  Stelfanie Williams Chair, Board of Directors Confirmed 29 Sep 2026 · [ncsecu.org ↗](https://www.ncsecu.org/about-us/board-of-directors.html)
- **Executive:**  Mark Fleming Vice Chair, Board of Directors Confirmed 29 Sep 2026 · [ncsecu.org ↗](https://www.ncsecu.org/about-us/board-of-directors.html)
- **Executive:**  Ben McLawhorn Secretary/Treasurer, Board of Directors Confirmed 29 Sep 2026 · [ncsecu.org ↗](https://www.ncsecu.org/about-us/board-of-directors.html)
## Supervisors & regulators
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/state-employees-credit-union-smcuus31#overview-sources)
- **United States:** North Carolina Credit Union Division Prudential supervisor
- **United States:** National Credit Union Administration Prudential supervisor AML supervisor Resolution
- **United States:** Consumer Financial Protection Bureau Conduct
## Recent events 1 enforcement or investigation item
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/state-employees-credit-union-smcuus31#overview-sources)
1. May 2026
Other
SECU announced a contract with Corelation to replace its core banking system with the KeyStone platform.
[ncsecu.org ↗](https://ncsecu.org/newsroom.html)
2. Jan 2026
Leadership
Director Barbara Perkins left the board before her term ended. The board appointed former chair Mona Moon to the seat until October 2026.
[businessnc.com ↗](https://businessnc.com/director-leaves-secu-board-citing-unnamed-policy-differences/)
3. Oct 2024
Incident
CEO Leigh Brady stated that SECU charged off USD 23 million after about 13,000 members defrauded it through a scheme involving Cash App.
[businessnc.com ↗](https://businessnc.com/secu-members-favor-incumbents-in-contested-election/)
4. Oct 2023
Leadership
Members elected three candidates nominated by member petition to the board, defeating incumbents backed by the board's nominating committee.
[businessnc.com ↗](https://businessnc.com/secu-members-favor-incumbents-in-contested-election/)
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
## Identifiers
Head-office record
- **BIC:** SMCUUS31XXX
- **How the BIC breaks down:** 1. SMCU Bank 2. US Country · United States 3. 31 Location · passive 4. XXX Branch · head office
- **Branch description:** Not recorded in the directory
- **LEI:** 549300SHE1JTCOWBP090
- **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/549300SHE1JTCOWBP090)
- **How the LEI was matched:** BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
## Profile
- **Type:** Financial institution
- **Regulation:** Not on a tracked register
- **Register licences:** None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- **Country · region:** United States · North America
- **Trading venues (MIC):** No MIC registered under this LEI list of 2026-09-17
- **OFAC sanctions:** No listing cites this BIC
- **EU sanctions:** No listing matched this BIC or its LEI
- **Country sanctions:** No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
No licence or registration was found for this entity on the 22 registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
## Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
## Addresses
- **Registered address:** 1000 WADE AVE RALEIGH 27605 UNITED STATES OF AMERICA
- **Operational address:** 1000 WADE AVE RALEIGH,NC RALEIGH,NC 27605 UNITED STATES OF AMERICA
## ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- **Identified by:** BIC, with its LEI
- **Roles in CBPR+:** Debtor agent, creditor agent or an intermediary agent
### CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
```xml
SMCUUS31XXX
549300SHE1JTCOWBP090
```
### Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
```xml
SMCUUS31XXX
549300SHE1JTCOWBP090
STATE EMPLOYEES' CREDIT UNION
RALEIGH
US
1000 WADE AVE RALEIGH 27605
```
This BIC is not connected to Swift. Messages reach the institution through a correspondent bank, so it cannot be the instructing or instructed agent.
The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
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[See every BIC in United States →](https://elucidate.co/directory/country/us#bics)
Claim this profile
## Work at State Employees' Credit Union?
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
[Read the methodology →](https://elucidate.co/directory/methodology)
Credits for this page
- **Overview, leadership, regulators and events**—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- **Images**—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: [ncsecu.org](https://www.ncsecu.org/) (official website) · [original](https://www.ncsecu.org/content/experience-fragments/ncsecu/us/en/site/header/master/_jcr_content/root/headernavigation/logo.coreimg.svg/1780946461945/seculogo.svg); Stelfanie Williams: [ncsecu.org](https://www.ncsecu.org/about-us/board-of-directors) (official website) · [original](https://www.ncsecu.org/about-us/board-of-directors/_jcr_content/root/container/container_357826540__2057268866/card_889075115.coreimg.png/1761922392918/stelfaniewilliamsthumbnail.png); Mark Fleming: [ncsecu.org](https://www.ncsecu.org/about-us/board-of-directors) (official website) · [original](https://www.ncsecu.org/about-us/board-of-directors/_jcr_content/root/container/container_357826540__2057268866/card_1547686195_copy.coreimg.png/1761918540301/markflemingthumbnail.png); Ben McLawhorn: [ncsecu.org](https://www.ncsecu.org/about-us/board-of-directors) (official website) · [original](https://www.ncsecu.org/about-us/board-of-directors/_jcr_content/root/container/container_357826540__2057268866/card_889075115_19861_949835919.coreimg.png/1761918574651/benmclawhornthumbnail.png).
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Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.