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Choptank Electric Coop Employ

Denton, MD · Charter 20656

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

97

Q2 2024Q2 2026peer median (50)

Asset Quality

4

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

83

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Choptank Electric Coop Employ

Denton, MD · Charter 20656

NCUA · 1 branch

Q2 2026

$2.7MAssets
$714KLoans
$1.9MShares
$817KNet Worth

Executive Summary

  • Earnings: ROA of 0.99%, up 76 bps year over year; NIM at 2.67%.
  • Asset quality: problem loans at 4.46% of loans (+446 bps YoY).
  • Capital: net worth / assets of 30.04%, up 26 bps from a year ago.
  • Funding: loans stand at 37.57% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.99%+76 bps YoY

Net Interest Margin (YTD, annualized)

2.67%+42 bps YoY

Efficiency Ratio (YTD, annualized)

63.76%-2,638 bps YoY

Net Worth / Assets

30.04%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.63%-0.20%0.23%0.54%0.69%0.74%0.99%+76 bps
Return on Equity2.32%2.00%-0.67%0.77%1.83%2.28%2.46%3.31%+254 bps
Net Interest Margin3.15%2.93%1.93%2.26%2.40%2.54%2.85%2.67%+42 bps
Efficiency Ratio74.96%77.27%110.20%90.15%77.96%73.67%74.74%63.76%-2,638 bps
Growth
Asset Growth (YoY)-12.05%-7.69%3.35%8.58%8.47%7.69%4.49%2.76%-582 bps
Loan Growth (YoY)-17.53%-24.52%-23.05%-4.07%1.44%10.64%1.34%-16.21%-1,213 bps
Share Growth (YoY)-17.69%-11.66%4.40%10.05%11.65%10.28%5.09%4.65%-540 bps
Asset Quality
Delinquent Loans / Loans1.57%0.56%0.00%0.00%0.00%2.99%1.77%4.46%+446 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital31.76%31.74%30.64%29.79%29.71%30.16%30.24%30.04%+26 bps
Net Worth / Assets31.76%31.74%30.64%29.79%29.71%30.16%30.24%30.04%+26 bps
Liquidity & Funding
Loans / Shares49.79%44.82%41.01%46.92%45.23%44.97%39.55%37.57%-935 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Choptank Electric Coop Employ

Denton, MD · Charter 20656 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$2.7MAssets
$714KLoans
$1.9MShares
$817KNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 97% of credit unions under $1B in assets (rank 51 of 1683).
  • Widest gap: nonperforming loans / loans trails 96% of credit unions under $1B in assets (rank 1614 of 1682).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

1.03%

Rank 569 of 1,683

Net Interest Margin

2.65%

Rank 1,587 of 1,683

Efficiency Ratio

64.86%

Rank 293 of 1,682

Equity / Assets

30.06%

Rank 51 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.03%0.35%0.74%1.18%Beats 66%569 / 1,683
Return on Equity3.43%2.67%5.89%8.74%Beats 31%1,161 / 1,681
Net Interest Margin2.65%3.31%3.82%4.32%Beats 6%1,587 / 1,683
Efficiency Ratio64.86%68.91%78.20%86.93%Beats 83%293 / 1,682
Asset Quality
Nonperforming Loans / Loans4.48%0.26%0.65%1.29%Beats 4%1,614 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio30.06%10.44%12.89%16.53%Beats 97%51 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets30.06%10.44%12.89%16.53%Beats 97%51 / 1,683
Liquidity & Funding
Loans / Deposits37.58%52.61%69.38%83.50%9th pctl1,526 / 1,683
Loans / Assets26.27%44.71%59.18%70.72%6th pctl1,587 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution