Side-by-side · Q2 2026 data
Cha-Tel Federal Credit Union vs Genisys Credit Union
Credit union
Cha-Tel Federal Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Cha-Tel Federal Credit Union | Genisys Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 81 |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 99 (stronger) | 64 |
| Earnings | 53 | 88 (stronger) |
| Funding & liquidity | 100 (stronger) | 61 |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 80th | 89th |
| Total assets | $11.5M | $6.6B |
| Deposits / shares | $9.9M | $5.5B |
| Capital ratio | 13.62% | 15.47% (stronger) |
| Problem loans | 0.04% (stronger) | 1.09% |
| Net charge-offs | 0.44% (stronger) | 0.59% |
| Return on assets | 0.81% | 1.70% (stronger) |
| Loans ÷ deposits | 59.7% (stronger) | 98.9% |
| Uninsured deposits | 1.8% (stronger) | 8.4% |
| Offices | 3 | 33 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.7% |
Cha-Tel Federal Credit Union has the higher TellerScore (86 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Cha-Tel Federal Credit Union leads on 5 and Genisys Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.