Side-by-side · Q2 2026 data
Cha-Tel Federal Credit Union vs The Local 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 | The Local Credit Union |
|---|---|---|
| TellerScore | 86 | 92 (stronger) |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 99 (stronger) | 91 |
| Earnings | 53 | 74 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 80th | 97th |
| Total assets | $11.5M | $106.6M |
| Deposits / shares | $9.9M | $89.9M |
| Capital ratio | 13.62% | 16.07% (stronger) |
| Problem loans | 0.04% (stronger) | 0.26% |
| Net charge-offs | 0.44% | 0.42% (stronger) |
| Return on assets | 0.81% | 1.35% (stronger) |
| Loans ÷ deposits | 59.7% | 46.7% (stronger) |
| Uninsured deposits | 1.8% (stronger) | 7.5% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Local Credit Union has the higher TellerScore (92 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Cha-Tel Federal Credit Union leads on 2 and The Local Credit Union on 5. 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.