BlastPoint's Credit Union Scorecard
CHOPTANK ELECTRIC COOP EMPLOY
Charter #20656 · MD
2596 CUs in <100M nationally
28 in MD
CHOPTANK ELECTRIC COOP EMPLOY has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 1.2% in tier
- + Net Worth Ratio: Top 6.2% in tier
- + Deposit Growth Rate: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.14% below tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Net Interest Margin (NIM): Bottom 6.7% in tier
- - Total Members: Bottom 7.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
292
+1.0% YoY+4.3% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
Bottom 7.7% in tier |
| Assets |
$2.7M
+8.5% YoY+1.1% QoQ
|
$-27.2M |
$29.9M
+1.1% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 12.1% in tier |
| Loans |
$849,099
+1.4% YoY-0.3% QoQ
|
$-14.9M |
$15.8M
-2.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.4% in tier |
| Deposits |
$1.9M
+11.6% YoY+3.4% QoQ
|
$-23.6M |
$25.5M
+0.4% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.5% in tier |
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| ROA |
0.5%
-26.3% YoY+135.1% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
39% |
| NIM |
2.4%
-23.8% YoY+5.0% QoQ
|
-1.5% |
3.9%
+3.8% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 6.7% in tier |
| Efficiency Ratio |
78.0%
+4.0% YoY-13.5% QoQ
|
-3.4% |
81.4%
-2.4% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
49% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
45.2%
-9.1% YoY-3.6% QoQ
|
-16.0% |
61.2%
-3.0% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
26% |
| AMR |
$9,336
+7.1% YoY-2.0% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
26% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
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
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
33
Net Charge-Off Rate
risk
Value:
-0.46%
Peer Avg: -
#33 of 2596
Top 1.2% in <100M tier
161
Net Worth Ratio
risk
Value:
29.71%
Peer Avg: -
#161 of 2596
Top 6.2% in <100M tier
165
Deposit Growth Rate
growth
Value:
11.65%
Peer Avg: -
#165 of 2596
Top 6.3% in <100M tier
307
Asset Growth Rate
growth
Value:
8.47%
Peer Avg: -
#307 of 2596
Top 11.8% in <100M tier
444
AMR Growth Rate
growth
Value:
7.14%
Peer Avg: -
#444 of 2596
Top 17.1% in <100M tier
611
Member Growth Rate
growth
Value:
1.04%
Peer Avg: -
#611 of 2596
Top 23.5% in <100M tier
Top Weaknesses (8 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2423
Net Interest Margin (NIM)
profitability
Value:
2.41%
Peer Avg: -
#2423 of 2596
Bottom 6.7% in <100M tier
2396
Total Members
engagement
Value:
292
Peer Avg: -
#2396 of 2596
Bottom 7.7% in <100M tier
2327
Total Loans
balance_sheet
Value:
$849,099
Peer Avg: -
#2327 of 2596
Bottom 10.4% in <100M tier
2297
Total Deposits
balance_sheet
Value:
$1.88M
Peer Avg: -
#2297 of 2596
Bottom 11.6% in <100M tier
2283
Total Assets
balance_sheet
Value:
$2.67M
Peer Avg: -
#2283 of 2596
Bottom 12.1% in <100M tier
2182
Fee Income Per Member
profitability
Value:
$6.42
Peer Avg: -
#2182 of 2596
Bottom 16.0% in <100M tier
2013
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,908
Peer Avg: -
#2013 of 2596
Bottom 22.5% in <100M tier