Side-by-side · Q2 2026 data
BayVanguard Bank vs Choptank Electric Coop Employ Federal Credit Union
Credit union
Choptank Electric Coop Employ Federal Credit Union
Denton, Maryland · Under $100 million in assets
Metric by metric
| Measure | BayVanguard Bank | Choptank Electric Coop Employ Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 66 |
| Capital cushion | 100 | 100 |
| Loan quality | 84 (stronger) | 0 |
| Earnings | 60 | 60 |
| Funding & liquidity | 52 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 92 |
| Peer percentile | 77th | 32nd |
| Total assets | $868.7M | $2.7M |
| Deposits / shares | $689.1M | $1.9M |
| Capital ratio | 17.13% | 30.04% (stronger) |
| Problem loans | 0.48% (stronger) | 4.46% |
| Net charge-offs | -0.01% | -0.11% (stronger) |
| Return on assets | 1.01% (stronger) | 0.99% |
| Loans ÷ deposits | 102.2% | 37.6% (stronger) |
| Uninsured deposits | 20.7% | 0.0% (stronger) |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | — |
BayVanguard Bank has the higher TellerScore (80 vs 66). On the 7 directional measures above (where higher or lower is clearly better), BayVanguard Bank leads on 3 and Choptank Electric Coop Employ Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.