Side-by-side · Q2 2026 data
Cha-Tel Federal Credit Union vs Michigan United 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 | Michigan United Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 76 |
| Capital cushion | 86 (stronger) | 70 |
| Loan quality | 99 (stronger) | 97 |
| Earnings | 53 (stronger) | 40 |
| Funding & liquidity | 100 (stronger) | 88 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 80th | 68th |
| Total assets | $11.5M | $349.3M |
| Deposits / shares | $9.9M | $305.0M |
| Capital ratio | 13.62% (stronger) | 11.98% |
| Problem loans | 0.04% (stronger) | 0.10% |
| Net charge-offs | 0.44% (stronger) | 0.45% |
| Return on assets | 0.81% (stronger) | 0.51% |
| Loans ÷ deposits | 59.7% (stronger) | 72.5% |
| Uninsured deposits | 1.8% (stronger) | 3.9% |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.1% |
Cha-Tel Federal Credit Union has the higher TellerScore (86 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Cha-Tel Federal Credit Union leads on 7 and Michigan United Credit Union on 0. 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.