Choptank Electric Co-Op Employees Federal Credit Union Denton, Maryland
Choptank Electric Co-Op Employees Federal Credit Union is a federal credit union headquartered in Denton, MD, established in 1971 (NCUA charter 20656), and it is regulated and insured by the NCUA. At Q2 2026 it reported 275 members and total assets of $2.7M (up 2.8% from Q2 2025), the 56th largest of 58 credit unions headquartered in Maryland. Its net worth ratio was 30.04% at Q2 2026, in the well capitalized band.
Also written as Choptank Electric Co-Op Employees FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 20656
- Headquarters
- Denton, MD
- Established
- 1971
- Total assets, Q2 2026
- $2.7M
- Assets vs Q2 2025
- +2.8%
- Members, Q2 2026
- 275
- Net worth ratio, Q2 2026
- 30.04%
- Latest call report
- Q2 2026, NCUA 5300 · Choptank Electric Co-Op Employees Federal Credit Union call report
- Asset rank in state
- 56th of 58 in Maryland
- Routing number
- 252177260
- Branches
- 1
It has 5 fewer members than on June 30, 2025 (-1.8%). Its net worth ratio was up 0.25 percentage points from 29.79% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $714K of $714K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 4.46% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 30.04% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Maryland
Frequently asked about Choptank Electric Co-Op Employees Federal Credit Union
How big is Choptank Electric Co-Op Employees Federal Credit Union?
At Q2 2026 it reported total assets of $2.7M and 275 members.
Where is Choptank Electric Co-Op Employees Federal Credit Union headquartered?
It is headquartered in Denton, MD, United States.
When was Choptank Electric Co-Op Employees Federal Credit Union founded?
It was established in 1971, per NCUA records.
Is Choptank Electric Co-Op Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 20656): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Choptank Electric Co-Op Employees Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Choptank Electric Co-Op Employees Federal Credit Union well capitalized?
Its net worth ratio was 30.04% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Choptank Electric Co-Op Employees Federal Credit Union's delinquency ratio?
Its delinquency ratio was 4.46% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Choptank Electric Co-Op Employees Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 37.57% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Denton, MD 21629
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1971
- NCUA Charter #
- 20656
- RSSD ID
- 731582
- Members
- 275
- Potential members
- 380
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 30.04% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.25% | 0.72% | 73rd above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 4.17% | 4.74% | 46th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.55% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 51.44% | 79.83% | over 90th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 2.08% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 4.46% | 0.86% | under 10th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.62% | 4.70% | 46th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 37.57% | 58.92% | 20th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.7M total assets against $2.6M; $1.9M total shares and deposits against $1.8M; $714K total loans against $852K.
$817K net worth against $788K.
30.04% net worth ratio against 29.79%.
37.57% loan-to-share ratio against 46.92%.
4.46% delinquency ratio.
1.25% return on assets against 0.65%; 4.17% return on equity against 2.20%.
2.55% net interest margin against 2.66%.
275 members against 280.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 30.04% | 1.25% | 4.46% | 37.57% |
| March 31, 2026 | 30.24% | 0.74% | 1.77% | 39.55% |
| December 31, 2025 | 30.16% | 1.11% | 2.99% | 44.97% |
| September 30, 2025 | 29.71% | 1.18% | — | 45.23% |
| June 30, 2025 | 29.79% | 0.65% | — | 46.92% |
| March 31, 2025 | 30.64% | -0.20% | — | 41.01% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.