Side-by-side · Q2 2026 data
Cha-Tel Federal Credit Union vs Polish-American Federal 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 | Polish-American Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 72 |
| Capital cushion | 86 (stronger) | 78 |
| Loan quality | 99 (stronger) | 54 |
| Earnings | 53 | 69 (stronger) |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 100 (stronger) | 85 |
| Peer percentile | 80th | 57th |
| Total assets | $11.5M | $195.1M |
| Deposits / shares | $9.9M | $169.0M |
| Capital ratio | 13.62% (stronger) | 12.79% |
| Problem loans | 0.04% (stronger) | 1.37% |
| Net charge-offs | 0.44% | 0.01% (stronger) |
| Return on assets | 0.81% | 1.23% (stronger) |
| Loans ÷ deposits | 59.7% (stronger) | 75.6% |
| Uninsured deposits | 1.8% (stronger) | 5.8% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.7% |
Cha-Tel Federal Credit Union has the higher TellerScore (86 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Cha-Tel Federal Credit Union leads on 5 and Polish-American Federal 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.