BlastPoint's Credit Union Scorecard
CHOPTANK ELECTRIC COOP EMPLOY
Charter #20656 · MD
CHOPTANK ELECTRIC COOP EMPLOY has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 5.9% in tier
- + Net Charge-Off Rate: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.49% below tier average
- - Delinquency rate 2.91% above tier average
- - Members Per Employee (MPE): Bottom 0.1% in tier
- - Total Members: Bottom 7.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.6% in tier
- - Total Loans: Bottom 9.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Maryland.
- Shares and deposits +4.7% year over year ($1.9M in shares and deposits).
- Membership: 275 members, -1.8% vs a year ago.
- Delinquency rate 4.46%.
- Return on assets 1.00%.
- Efficiency ratio 63.76% vs a 88.77% peer average.
- Loan-to-share ratio 37.57% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
275
-1.8% YoY-0.7% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 7.1% in tier |
| Assets |
$2.7M
+2.8% YoY+1.7% QoQ
|
$-27.6M |
$30.3M
+1.5% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
Bottom 11.4% in tier |
| Loans |
$713,777
-16.2% YoY-3.1% QoQ
|
$-14.7M |
$15.5M
-1.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 9.1% in tier |
| Deposits |
$1.9M
+4.7% YoY+2.0% QoQ
|
$-23.9M |
$25.8M
+1.1% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
Bottom 10.9% in tier |
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| ROA |
1.0%
+330.3% YoY+34.5% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
61% |
| NIM |
2.7%
+17.4% YoY-5.4% QoQ
|
-1.2% |
3.9%
+0.9% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 10.1% in tier |
| Efficiency Ratio |
63.8%
-29.3% YoY-14.7% QoQ
|
-25.0% |
88.8%
-6.9% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
16% |
| Delinquency Rate |
4.5%
+152.3% QoQ
|
+2.9 |
1.5%
+2.1% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 7.6% in tier |
| Loan To Share |
37.6%
-19.9% YoY-5.0% QoQ
|
-21.3% |
58.9%
-3.1% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
19% |
| AMR |
$9,505
-0.2% YoY+1.3% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
26% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)