Side-by-side · Q2 2026 data
Cha-Tel Federal Credit Union vs West Virginia Federal Credit Union
Credit union
Cha-Tel Federal Credit Union
Charleston, West Virginia · Under $100 million in assets
Credit union
West Virginia Federal Credit Union
South Charlesto, West Virginia · $100 million – $1 billion
Metric by metric
| Measure | Cha-Tel Federal Credit Union | West Virginia Federal Credit Union |
|---|---|---|
| TellerScore | 86 | 88 (stronger) |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 99 (stronger) | 75 |
| Earnings | 53 | 76 (stronger) |
| Funding & liquidity | 100 (stronger) | 93 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 80th | 92nd |
| Total assets | $11.5M | $141.6M |
| Deposits / shares | $9.9M | $114.2M |
| Capital ratio | 13.62% | 18.52% (stronger) |
| Problem loans | 0.04% (stronger) | 0.74% |
| Net charge-offs | 0.44% | 0.18% (stronger) |
| Return on assets | 0.81% | 1.40% (stronger) |
| Loans ÷ deposits | 59.7% (stronger) | 67.3% |
| Uninsured deposits | 1.8% (stronger) | 3.3% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.8% |
West Virginia Federal Credit Union has the higher TellerScore (88 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Cha-Tel Federal Credit Union leads on 3 and West Virginia Federal Credit Union on 4. 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.