Side-by-side · Q2 2026 data
The Queenstown Bank of Maryland 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 | The Queenstown Bank of Maryland | Choptank Electric Coop Employ Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 66 |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 96 (stronger) | 0 |
| Earnings | 54 | 60 (stronger) |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 68th | 32nd |
| Total assets | $729.5M | $2.7M |
| Deposits / shares | $648.8M | $1.9M |
| Capital ratio | 11.60% | 30.04% (stronger) |
| Problem loans | 0.12% (stronger) | 4.46% |
| Net charge-offs | 0.01% | -0.11% (stronger) |
| Return on assets | 0.86% | 0.99% (stronger) |
| Loans ÷ deposits | 72.4% | 37.6% (stronger) |
| Uninsured deposits | 21.0% | 0.0% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.6% | — |
The Queenstown Bank of Maryland has the higher TellerScore (77 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The Queenstown Bank of Maryland leads on 2 and Choptank Electric Coop Employ Federal Credit Union on 5. 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.