Side-by-side · Q2 2026 data
Citizens State Bank vs Cha-Tel Federal Credit Union
Credit union
Cha-Tel Federal Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Citizens State Bank | Cha-Tel Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 86 (stronger) |
| Capital cushion | 36 | 86 (stronger) |
| Loan quality | 94 | 99 (stronger) |
| Earnings | 93 (stronger) | 53 |
| Funding & liquidity | 49 | 100 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 43rd | 80th |
| Total assets | $581.0M | $11.5M |
| Deposits / shares | $530.5M | $9.9M |
| Capital ratio | 8.58% | 13.62% (stronger) |
| Problem loans | 0.18% | 0.04% (stronger) |
| Net charge-offs | 0.27% (stronger) | 0.44% |
| Return on assets | 1.83% (stronger) | 0.81% |
| Loans ÷ deposits | 84.9% | 59.7% (stronger) |
| Uninsured deposits | 38.5% | 1.8% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cha-Tel Federal Credit Union has the higher TellerScore (86 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 2 and Cha-Tel Federal 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.