TellerScore

Choptank Electric Coop Employ Federal Credit Union (NCUA charter #20656) is based in Denton, Maryland. Its Q2 2026 call report shows $2.7M in total assets and $1.9M in member shares and deposits and 1 office.

Choptank Electric Coop Employ Federal Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 32% of its 2,479 credit unions with under $100 million in assets. Among 60 credit unions headquartered in Maryland, it ranks 35th. Capital cushion contributes the most (100/100, 30.04%); loan quality contributes the least (0/100, 4.46%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 30.04%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 4.46%
Earnings60/100
Return on assets (annualized): 0.99%
Funding & liquidity100/100
Loans ÷ shares: 37.6% · 0.0% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.90%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 20 points (86 → 66), mostly because the loan quality component weakened by 100 points.

TellerScore
647994Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202494
Q3 202477
Q4 202484
Q1 202582
Q2 202586
Q3 202588
Q4 202564
Q1 202675
Q2 202666
Net worth ratio
7.00%19.61%32.21%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202432.21%
Q3 202431.76%
Q4 202431.74%
Q1 202530.64%
Q2 202529.79%
Q3 202529.71%
Q4 202530.16%
Q1 202630.24%
Q2 202630.04%
Delinquent loans (60+ days)
0.00%2.23%4.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20241.57%
Q4 20240.56%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20252.99%
Q1 20261.77%
Q2 20264.46%
Return on assets
-0.20%0.54%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.28%
Q3 20240.74%
Q4 20240.63%
Q1 2025-0.20%
Q2 20250.23%
Q3 20250.54%
Q4 20250.69%
Q1 20260.74%
Q2 20260.99%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$2.7M30.04%4.46%0.99%37.6%
Q1 202675$2.7M30.24%1.77%0.74%39.5%
Q4 202564$2.7M30.16%2.99%0.69%45.0%
Q3 202588$2.7M29.71%0.00%0.54%45.2%
Q2 202586$2.6M29.79%0.00%0.23%46.9%
Q1 202582$2.6M30.64%0.00%-0.20%41.0%
Q4 202484$2.5M31.74%0.56%0.63%44.8%
Q3 202477$2.5M31.76%1.57%0.74%49.8%
Q2 202494$2.4M32.21%0.00%1.28%53.8%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio30.04%
94th
Problem loans4.46%
7th
Net charge-offs-0.11%
94th
Return on assets0.99%
67th
Loans to deposits37.6%
81st
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio3.9%
36th

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InstitutionScoreAssetsCapitalProblem loansCompare
1897 Federal Credit UnionCredit union Salisbury, MD84 out of 100, Strong$3.6M29.5%0.00%vs
Mvp Postal and Printing Federal Credit UnionCredit union Gaithersburg, MD37 out of 100, Low$3.7M9.6%3.90%vs
Korean Catholic Federal Credit UnionCredit union Olney, MD68 out of 100, Moderate$1.7M11.1%0.00%vs
Masters, Mates & Pilots (Mm&p) Federal Credit UnionCredit union Linthicum, MD76 out of 100, Strong$4.0M10.3%0.00%vs
Mt. Jezreel Federal Credit UnionCredit union Silver Spring, MD84 out of 100, Strong$191K20.1%0.00%vs
Local 355 Md Federal Credit UnionCredit union Baltimore, MD54 out of 100, Below average$5.8M19.4%7.99%vs

Deposit insurance

Is my money safe at Choptank Electric Coop Employ Federal Credit Union?

Yes. Choptank Electric Coop Employ Federal Credit Union is a federally insured credit union (NCUA charter #20656). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 30.04%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Choptank Electric Coop Employ Federal Credit Union lists 1 office in 1 city. Most locations:

  • Denton, MD (1)

All branch addresses and map

Identity & history

Profile

Legal name
Choptank Electric Coop Employ Federal Credit Union
Type
Federal credit union
NCUA charter #
20656
RSSD ID
731582
Primary regulator
NCUA
Established
1971
Headquarters
10384 River Road, Denton, MD 21629

Quick answers

Choptank Electric Coop Employ Federal Credit Union: common questions

Is Choptank Electric Coop Employ Federal Credit Union NCUA insured?

Yes. Choptank Electric Coop Employ Federal Credit Union is a federally insured credit union (NCUA charter #20656). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Choptank Electric Coop Employ Federal Credit Union's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Choptank Electric Coop Employ Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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