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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.03% | 0.35% | 0.74% | 1.18% | Beats 66% | 569 / 1,683 | | |
| Return on Equity | 3.43% | 2.67% | 5.89% | 8.74% | Beats 31% | 1,161 / 1,681 | | |
| Net Interest Margin | 2.65% | 3.31% | 3.82% | 4.32% | Beats 6% | 1,587 / 1,683 | | |
| Efficiency Ratio | 64.86% | 68.91% | 78.20% | 86.93% | Beats 83% | 293 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.48% | 0.26% | 0.65% | 1.29% | Beats 4% | 1,614 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 30.06% | 10.44% | 12.89% | 16.53% | Beats 97% | 51 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 30.06% | 10.44% | 12.89% | 16.53% | Beats 97% | 51 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 37.58% | 52.61% | 69.38% | 83.50% | 9th pctl | 1,526 / 1,683 | | |
| Loans / Assets | 26.27% | 44.71% | 59.18% | 70.72% | 6th pctl | 1,587 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |