Side-by-side · Q2 2026 data
Tidemark Federal Credit Union 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 | Tidemark Federal Credit Union | Choptank Electric Coop Employ Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 66 |
| Capital cushion | 94 | 100 (stronger) |
| Loan quality | 89 (stronger) | 0 |
| Earnings | 40 | 60 (stronger) |
| Funding & liquidity | 98 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 83rd | 32nd |
| Total assets | $468.5M | $2.7M |
| Deposits / shares | $405.0M | $1.9M |
| Capital ratio | 14.37% | 30.04% (stronger) |
| Problem loans | 0.33% (stronger) | 4.46% |
| Net charge-offs | 0.29% | -0.11% (stronger) |
| Return on assets | 0.51% | 0.99% (stronger) |
| Loans ÷ deposits | 62.5% | 37.6% (stronger) |
| Uninsured deposits | 8.5% | 0.0% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.7% | — |
Tidemark Federal Credit Union has the higher TellerScore (83 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Tidemark Federal Credit Union 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.