BlastPoint's Credit Union Scorecard
CHOPTANK ELECTRIC COOP EMPLOY
Charter #20656 · MD
<100M
2556 CUs in <100M nationally
28 in MD
CHOPTANK ELECTRIC COOP EMPLOY has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.06% above tier average
- + Net Charge-Off Rate: Top 1.4% in tier
- + Net Worth Ratio: Top 5.9% in tier
- + Deposit Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.43% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Members: Bottom 7.0% in tier
- - Net Interest Margin (NIM): Bottom 8.5% in tier
- - Total Loans: Bottom 10.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
277
+1.8% YoY-5.1% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 7.0% in tier |
| Assets |
$2.7M
+7.7% YoY-0.4% QoQ
|
$-27.5M |
$30.1M
+2.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.5% in tier |
| Loans |
$836,228
+10.6% YoY-1.5% QoQ
|
$-14.9M |
$15.8M
-1.3% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.9% in tier |
| Deposits |
$1.9M
+10.3% YoY-0.9% QoQ
|
$-23.8M |
$25.7M
+1.4% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.0% in tier |
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| ROA |
0.7%
+8.1% YoY+25.2% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
50% |
| NIM |
2.5%
-13.7% YoY+4.9% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
Bottom 8.5% in tier |
| Efficiency Ratio |
73.7%
-4.7% YoY-5.5% QoQ
|
-8.9% |
82.6%
-2.3% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
35% |
| Delinquency Rate |
3.0%
+429.6% YoY
|
+1.4 |
1.6%
-3.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 13.1% in tier |
| Loan To Share |
45.0%
+0.3% YoY-0.6% QoQ
|
-15.6% |
60.6%
-3.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
26% |
| AMR |
$9,732
+8.4% YoY+4.2% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
27% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 20.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
36
Net Charge-Off Rate
risk
Value:
-0.39%
Peer Median: -
#36 of 2556
Top 1.4% in <100M tier
151
Net Worth Ratio
risk
Value:
30.16%
Peer Median: -
#151 of 2556
Top 5.9% in <100M tier
236
Deposit Growth Rate
growth
Value:
10.28%
Peer Median: -
#236 of 2556
Top 9.2% in <100M tier
259
Loan Growth Rate
growth
Value:
10.64%
Peer Median: -
#259 of 2556
Top 10.1% in <100M tier
333
AMR Growth Rate
growth
Value:
8.40%
Peer Median: -
#333 of 2556
Top 13.0% in <100M tier
368
Asset Growth Rate
growth
Value:
7.69%
Peer Median: -
#368 of 2556
Top 14.4% in <100M tier
443
Member Growth Rate
growth
Value:
1.84%
Peer Median: -
#443 of 2556
Top 17.3% in <100M tier
Top Weaknesses (9 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.1% in <100M tier
2377
Total Members
engagement
Value:
277
Peer Median: -
#2377 of 2556
Bottom 7.0% in <100M tier
2339
Net Interest Margin (NIM)
profitability
Value:
2.53%
Peer Median: -
#2339 of 2556
Bottom 8.5% in <100M tier
2302
Total Loans
balance_sheet
Value:
$836,228
Peer Median: -
#2302 of 2556
Bottom 10.0% in <100M tier
2275
Total Deposits
balance_sheet
Value:
$1.86M
Peer Median: -
#2275 of 2556
Bottom 11.0% in <100M tier
2261
Total Assets
balance_sheet
Value:
$2.66M
Peer Median: -
#2261 of 2556
Bottom 11.6% in <100M tier
2222
Total Delinquency Rate (60+ days)
risk
Value:
2.99%
Peer Median: -
#2222 of 2556
Bottom 13.1% in <100M tier
2162
Fee Income Per Member
profitability
Value:
$6.84
Peer Median: -
#2162 of 2556
Bottom 15.5% in <100M tier
1946
Loan-to-Member Ratio (LMR)
engagement
Value:
$3,019
Peer Median: -
#1946 of 2556
Bottom 23.9% in <100M tier