Side-by-side · Q2 2026 data
Cha-Tel Federal Credit Union vs Westacres 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 | Westacres Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 82 |
| Capital cushion | 86 (stronger) | 85 |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 53 (stronger) | 31 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 80th | 70th |
| Total assets | $11.5M | $7.1M |
| Deposits / shares | $9.9M | $6.0M |
| Capital ratio | 13.62% (stronger) | 13.47% |
| Problem loans | 0.04% | 0.00% (stronger) |
| Net charge-offs | 0.44% | 0.00% (stronger) |
| Return on assets | 0.81% (stronger) | 0.28% |
| Loans ÷ deposits | 59.7% | 19.0% (stronger) |
| Uninsured deposits | 1.8% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cha-Tel Federal Credit Union has the higher TellerScore (86 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Cha-Tel Federal Credit Union leads on 3 and Westacres Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.