BlastPoint's Credit Union Scorecard
CHOPTANK ELECTRIC COOP EMPLOY
Charter #20656 · MD
CHOPTANK ELECTRIC COOP EMPLOY has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.60% above tier average
- + Net Worth Ratio: Top 5.7% in tier
- + Net Charge-Off Rate: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.26% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Members: Bottom 7.3% in tier
- - Total Loans: Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
277
+1.1% YoY0% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
35,042
+5.0% YoY
|
33,913
+5.7% YoY
|
Bottom 7.2% in tier |
| Assets |
$2.7M
+4.5% YoY+0.3% QoQ
|
$-27.5M |
$30.2M
+1.3% YoY
|
$654.4M
+9.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 11.6% in tier |
| Loans |
$736,836
+1.3% YoY-11.9% QoQ
|
$-14.5M |
$15.3M
-2.0% YoY
|
$458.0M
+7.3% YoY
|
$402.4M
+8.7% YoY
|
Bottom 9.4% in tier |
| Deposits |
$1.9M
+5.1% YoY+0.2% QoQ
|
$-23.9M |
$25.8M
+0.7% YoY
|
$558.1M
+9.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 11.0% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.7%
-459.5% YoY+8.7% QoQ
|
+0.6% |
0.1%
-77.6% YoY
|
0.5%
+20.2% YoY
|
0.4%
-39.2% YoY
|
57% |
| NIM |
2.9%
+45.5% YoY+12.6% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.4%
+2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 14.3% in tier |
| Efficiency Ratio |
74.7%
-32.2% YoY+1.4% QoQ
|
-15.9% |
90.6%
+6.5% YoY
|
82.5%
-2.2% YoY
|
84.6%
+2.8% YoY
|
34% |
| Delinquency Rate |
1.8%
-40.9% QoQ
|
+0.3 |
1.5%
+3.8% YoY
|
1.2%
+17.1% YoY
|
1.2%
+3.4% YoY
|
78% |
| Loan To Share |
39.5%
-3.6% YoY-12.1% QoQ
|
-19.0% |
58.5%
-3.0% YoY
|
63.5%
+1.0% YoY
|
65.6%
-1.4% YoY
|
21% |
| AMR |
$9,386
+2.9% YoY-3.6% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$21,172
+3.9% YoY
|
$19,920
+1.6% YoY
|
25% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)