Federal credit union · Denton, Maryland · NCUA charter #20656
Choptank Electric Coop Employ
Health score 73/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $2.7M
- Total assets
- 277
- Members
- 29.1%
- Net-worth ratio
Choptank Electric Coop Employ - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #20656 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Choptank Electric Coop Employ - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)25
- Earnings (ROA)100
- Member growth75
- Liquidity (loan-to-share)67
Weighted composite: 73/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
29.07% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 29.07% | 30% |
| Delinquency Rate | 2.99% | 25% |
| Return on Assets | 0.59% | 15% |
| Member Growth | 1.84% | 15% |
| Loan-to-Share Ratio | 44.97% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $2.7M | 277 |
| 2024Q4 | $2.5M | 272 |
| 2023Q4 | $2.7M | 295 |
Credit Union Details
- Charter Number
- 20656
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Maryland
- City
- Denton
- Data Quarter
- 2025Q4
What This Data Says About Choptank Electric Coop Employ
Charter #20656, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's Choptank Electric Coop Employ, a federal credit union in Denton, Maryland with 277 members, $2.7M in total assets, and $836K in outstanding loans as of Q4 2025. The five-factor composite scores it 73/100 (Very Good), helped by a net worth ratio of 29.07% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 2.99% of loans are 60+ days past due against the total loan book - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Meanwhile a 44.97% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.59% on net income of $16K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.84%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Maryland
A look at other Maryland credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Choptank Electric Coop Employ financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Choptank Electric Coop Employ carries a financial health score of 73/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 29.07% net worth ratio and a 2.99% delinquency rate.
How does Choptank Electric Coop Employ compare to other credit unions?
On PlainCU's health composite, Choptank Electric Coop Employ lands at 73/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Choptank Electric Coop Employ?
Choptank Electric Coop Employ operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Choptank Electric Coop Employ directly for the exact boundaries and application steps.
Is my money safe at Choptank Electric Coop Employ?
Federal credit unions like Choptank Electric Coop Employ are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Choptank Electric Coop Employ's net worth ratio of 29.07% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Choptank Electric Coop Employ offer compared to banks?
Credit unions like Choptank Electric Coop Employ are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Choptank Electric Coop Employ directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.