Choptank Electric Coop Employ Federal Credit Union

Credit UnionFCUDenton, MD·Est. 1971·NCUA #20656Compare ⇄▤ Account brief

Total assets

$2.7M

▲ +4.5% YoY

Shares & deposits

$1.9M

▲ +5.1% YoY

Loans

$737K

▲ +1.3% YoY

Members

277

▲ +1.1% YoY

ROA (annualized)

0.74%

peers 0.60%

ROE (annualized)

2.46%

peers 4.10%

Peer comparison 2,508 credit unions with <100M in assets

Metric	This credit union	Peer median	Δ
Asset growth (YoY)	+4.5%	+1.3%	+3.2 pts
Share growth (YoY)	+5.1%	+0.7%	+4.4 pts
Loan growth (YoY)	+1.3%	-2.4%	+3.7 pts
ROA	0.74%	0.60%	+0.1 pts
ROE	2.5%	4.1%	-1.6 pts

ROA ranks in the 57th percentile of its peer group · Q1 2026

Quarter	Assets	Shares	Loans	Net worth	Net income YTD	ROA	NIM	Delinquency	Members
Q1 2026	$2.7M	$1.9M	$737K	$808K	$5K	0.74%	2.85%	1.77%	277
Q4 2025	$2.7M	$1.9M	$836K	$803K	$18K	0.69%	2.54%	2.99%	277
Q3 2025	$2.7M	$1.9M	$849K	$795K	$11K	0.54%	2.40%	0.00%	292
Q2 2025	$2.6M	$1.8M	$852K	$788K	$3K	0.23%	2.26%	0.00%	280
Q1 2025	$2.6M	$1.8M	$727K	$784K	$-1K	-0.20%	1.93%	0.00%	274
Q4 2024	$2.5M	$1.7M	$756K	$785K	$16K	0.63%	2.93%	0.56%	272
Q3 2024	$2.5M	$1.7M	$837K	$783K	$14K	0.74%	3.15%	1.57%	289
Q2 2024	$2.4M	$1.6M	$888K	$785K	$16K	1.28%	3.65%	0.00%	295

Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $737K · securities $1.8M

Delinquency up·Delinquency up 1.77 pts YoY — Credit stress; collections and risk analytics get budget

Earlier quarters (6)

Profitability

Ratio	Value	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	0.74%	0.60%	57th
Return on equity Annualized net income ÷ equity or net worth	2.5%	4.1%	38th
Net interest margin Interest income − interest expense, ÷ assets	2.85%	3.83%

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Ratio	Value	Peer median
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand	00.0%	00.0%
Loans-to-assets How much of the balance sheet is lent out	00.0%	00.0%
Securities-to-assets Investment portfolio as a share of assets	00.0%	00.0%
Cash-to-assets On-balance-sheet liquidity	00.0%	00.0%

Ratio	Value	Peer median
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans	00.0%	00.0%
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans	00.0%	00.0%
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300%	00.0%	00.0%

Ratio	Value	Trend (8q)	Peer median	Peer percentile
Loans per member Member borrowing depth	00.0%		00.0%
Deposits per member Member relationship depth	00.0%		00.0%