Side-by-side · Q2 2026 data
Choptank Electric Coop Employ Federal Credit Union vs 1897 Federal Credit Union
Credit union
Choptank Electric Coop Employ Federal Credit Union
Denton, Maryland · Under $100 million in assets
Metric by metric
| Measure | Choptank Electric Coop Employ Federal Credit Union | 1897 Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 84 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 60 (stronger) | 21 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 32nd | 75th |
| Total assets | $2.7M | $3.6M |
| Deposits / shares | $1.9M | $2.5M |
| Capital ratio | 30.04% (stronger) | 29.46% |
| Problem loans | 4.46% | 0.00% (stronger) |
| Net charge-offs | -0.11% | -7.60% (stronger) |
| Return on assets | 0.99% (stronger) | 0.03% |
| Loans ÷ deposits | 37.6% | 14.0% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
1897 Federal Credit Union has the higher TellerScore (84 vs 66). On the 6 directional measures above (where higher or lower is clearly better), Choptank Electric Coop Employ Federal Credit Union leads on 2 and 1897 Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.