Side-by-side · Q2 2026 data
Community Unity 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 | Community Unity Bank | Cha-Tel Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 86 (stronger) |
| Capital cushion | 100 (stronger) | 86 |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 0 | 53 (stronger) |
| Funding & liquidity | 38 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 47th | 80th |
| Total assets | $107.1M | $11.5M |
| Deposits / shares | $85.8M | $9.9M |
| Capital ratio | 19.54% (stronger) | 13.62% |
| Problem loans | 0.00% (stronger) | 0.04% |
| Net charge-offs | 0.00% (stronger) | 0.44% |
| Return on assets | -1.68% | 0.81% (stronger) |
| Loans ÷ deposits | 92.4% | 59.7% (stronger) |
| Uninsured deposits | 41.6% | 1.8% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cha-Tel Federal Credit Union has the higher TellerScore (86 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Community Unity Bank leads on 3 and Cha-Tel 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.