Credit Union Safety Analysis
Is Choptank Electric Co-Op Employees Federal Credit Union Safe? Denton, Maryland
Based on its Q2 2026 NCUA 5300 call report, Choptank Electric Co-Op Employees Federal Credit Union has a net worth ratio of 30.04%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 4.46%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Choptank Electric Co-Op Employees Federal Credit Union's net worth ratio is 30.04%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 30.04%
- Delinquency ratio (60+ days) (Q2 2026): 4.46%
- Return on assets (Q2 2026): 1.25%
- Loan-to-share ratio (Q2 2026): 37.57%
Choptank Electric Co-Op Employees Federal Credit Union (NCUA charter 20656, established 1971) reported $2.7M in assets and 275 members for Q2 2026 from Denton, Maryland. It ranks 56 of 58 credit unions in Maryland by total assets. Total assets grew 2.8% from $2.6M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 30.24% for Q1 2026; 29.79% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.77% for Q1 2026 .
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.74% for Q1 2026; 0.65% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 39.55% for Q1 2026; 46.92% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $714K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.7M | 30.04% | 4.46% | 1.25% | 37.57% |
| March 31, 2026 | $2.7M | 30.24% | 1.77% | 0.74% | 39.55% |
| December 31, 2025 | $2.7M | 30.16% | 2.99% | 1.11% | 44.97% |
| September 30, 2025 | $2.7M | 29.71% | — | 1.18% | 45.23% |
| June 30, 2025 | $2.6M | 29.79% | — | 0.65% | 46.92% |
| March 31, 2025 | $2.6M | 30.64% | — | -0.20% | 41.01% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Choptank Electric Co-Op Employees Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 20656) · FFIEC NIC profile (RSSD 731582)
Frequently asked questions
Is Choptank Electric Co-Op Employees Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Choptank Electric Co-Op Employees Federal Credit Union's net worth ratio is 30.04%, above the 7% NCUA threshold for well capitalized.
Is Choptank Electric Co-Op Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Choptank Electric Co-Op Employees Federal Credit Union is a federally insured credit union (NCUA charter 20656): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Choptank Electric Co-Op Employees Federal Credit Union's key safety ratios?
For Q2 2026, Choptank Electric Co-Op Employees Federal Credit Union reports net worth 30.04%, delinquency 4.46%, ROA 1.25%, loan-to-share 37.57%.
What happens to my money if Choptank Electric Co-Op Employees Federal Credit Union fails?
For Q2 2026, Choptank Electric Co-Op Employees Federal Credit Union held $1.9M in shares and deposits for 275 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.