PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Choptank Electric Coop Employ

Denton, MD · Charter 20656

NCUA · 1 branch

Q2 2026

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

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

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.

Financial Results

Return on Assets (quarter, annualized)

0.99%+76 bps YoY

Net Interest Margin (quarter, annualized)

2.67%+42 bps YoY

Efficiency Ratio (quarter, annualized)

63.76%-2,638 bps YoY

Net Worth / Assets

30.04%+26 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.54%0.69%0.74%0.99%+76 bps
Return on Equity0.77%1.83%2.28%2.46%3.31%+254 bps
Net Interest Margin2.26%2.40%2.54%2.85%2.67%+42 bps
Efficiency Ratio90.15%77.96%73.67%74.74%63.76%-2,638 bps
Growth
Asset Growth (YoY)8.58%8.47%7.69%4.49%2.76%-582 bps
Loan Growth (YoY)-4.07%1.44%10.64%1.34%-16.21%-1,213 bps
Share Growth (YoY)10.05%11.65%10.28%5.09%4.65%-540 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%2.99%1.77%4.46%+446 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital29.79%29.71%30.16%30.24%30.04%+26 bps
Net Worth / Assets29.79%29.71%30.16%30.24%30.04%+26 bps
Liquidity & Funding
Loans / Shares46.92%45.23%44.97%39.55%37.57%-935 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps