Federal credit union · Denton, Maryland · NCUA charter #20656
Choptank Electric Coop Employ
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $2.7M
- Total assets
- 277
- Members
- 30.2%
- Net-worth ratio
Choptank Electric Coop Employ scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.7M; members 277; net-worth ratio 30.24%; health rank #3,379 of 4,374; healthier than 21st of scored peers.
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Choptank Electric Coop Employ vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Choptank Electric Coop Employ sits in 70-74 with 317 others.
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Choptank Electric Coop Employ: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 30.24% vs peer 19.06% (+11.18 pp).
- Largest lag: Loan-to-Share Ratio at 44.97% vs peer 63.60% (-18.63 pp).
Maryland standing for Choptank Electric Coop Employ
- Health composite ranks #44 of 62 among scored Maryland credit unions.
- By total assets, Choptank Electric Coop Employ is #60 of 62 in Maryland.
- Membership ranks #61 of 62 among Maryland CUs with a reported count (277 members).
- One place up in Maryland, National Institutes of Health (#43) scores 75/100, 2 points higher; one place down, Post Office Cu of Md, Inc. (#45) scores 71/100, 2 points lower.
How Choptank Electric Coop Employ's 5300 filing moved
Choptank Electric Coop Employ: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $2.7M (2025Q4) to $2.7M (2026Q1).
- Net-worth ratio shifted +0.08 pp (30.16% → 30.24%).
30.24% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 73/100 score is built
Choptank Electric Coop Employ gives up 27 points in total. Delinquency Rate costs the most, 18.7 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 6.3 pts
- Return on Assets 15.0 pts
- Member Growth 11.2 pts
- Loan-to-Share Ratio 10.5 pts
Call Report ratios for Choptank Electric Coop Employ
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 30.24% | +11.18 pp |
| Delinquency Rate | 2.99% | +1.18 pp |
| Return on Assets | 0.59% | +0.14 pp |
| Member Growth | 1.84% | - |
| Loan-to-Share Ratio | 44.97% | -18.63 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Choptank Electric Coop Employ quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.7M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for Choptank Electric Coop Employ.
| Office | City |
|---|---|
| Choptank Electric Coop. Emp (Main Office) | Denton, MD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Cross-state Call Report peers for Choptank Electric Coop Empl…
Similar health score
Using this data
- Choptank Electric Coop Employ ranks #3,379 of 4,374 nationally on financial health and #44 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Korean Catholic is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Korean Catholic
Frequently Asked Questions
Is Choptank Electric Coop Employ financially healthy?
On its 2025Q4 NCUA 5300 filing, Choptank Electric Coop Employ scores 73/100 (Very Good), with a 30.24% net worth ratio and 2.99% of loans delinquent. It ranks #3,379 of 4,374 nationally on health and #44 of 62 in Maryland.
How does Choptank Electric Coop Employ compare to other credit unions?
Choptank Electric Coop Employ scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (30.24% vs 19.06%). Its widest shortfall is loan-to-share ratio (44.97% vs 63.60%).
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?
Choptank Electric Coop Employ is a federal credit union; its shares are federally 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 30.24% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.