CHOPTANK ELECTRIC COOP EMPLOY
Charter #20656 · Denton, MD · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 30.24% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.98% sits at the 92nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.21% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 29th percentile but its structural peers at the 64th — a 35-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CHOPTANK ELECTRIC COOP EMPLOY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.67M | 37th pct | 44th pct |
| Members | 277 | 23th pct | 33th pct |
| Net worth ratio | 30.24% | 86th pct | 79th pct |
| Return on average assets | 0.75% | 63th pct | 52th pct |
| Net interest margin | 2.86% | 18th pct | 30th pct |
| Cost of funds | 2.98% | 96th pct | 92th pct |
| Loan-to-share | 39.55% | 29th pct | 64th pct |
| Delinquency 60+ days | 1.77% | 65th pct | 72th pct |
| Net charge-off ratio | -0.21% | 10th pct | 18th pct |
| Loan growth YoY | -13.22% | 18th pct | 23th pct |
| Share growth YoY | -0.75% | 43th pct | 51th pct |
| Efficiency ratio | 74.74% | 31th pct | 44th pct |
structural peer set hash: 2547ed197617e37eec59cf6b4df244d2… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.