Side-by-side · Q2 2026 data
Cha-Tel Federal Credit Union vs Twin Oaks Federal Credit Union
Credit union
Cha-Tel Federal Credit Union
Charleston, West Virginia · Under $100 million in assets
Credit union
Twin Oaks Federal Credit Union
Apple Grove, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Cha-Tel Federal Credit Union | Twin Oaks Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 68 |
| Capital cushion | 86 (stronger) | 74 |
| Loan quality | 99 (stronger) | 80 |
| Earnings | 53 (stronger) | 34 |
| Funding & liquidity | 100 (stronger) | 62 |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 80th | 36th |
| Total assets | $11.5M | $6.6M |
| Deposits / shares | $9.9M | $5.8M |
| Capital ratio | 13.62% (stronger) | 12.39% |
| Problem loans | 0.04% (stronger) | 0.60% |
| Net charge-offs | 0.44% (stronger) | 0.48% |
| Return on assets | 0.81% (stronger) | 0.34% |
| Loans ÷ deposits | 59.7% (stronger) | 97.8% |
| Uninsured deposits | 1.8% | 0.0% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cha-Tel Federal Credit Union has the higher TellerScore (86 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Cha-Tel Federal Credit Union leads on 6 and Twin Oaks Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.