Side-by-side · Q2 2026 data
Mi 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 | Mi Bank | Cha-Tel Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 86 (stronger) |
| Capital cushion | 41 | 86 (stronger) |
| Loan quality | 94 | 99 (stronger) |
| Earnings | 57 (stronger) | 53 |
| Funding & liquidity | 40 | 100 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 24th | 80th |
| Total assets | $245.5M | $11.5M |
| Deposits / shares | $220.9M | $9.9M |
| Capital ratio | 9.14% | 13.62% (stronger) |
| Problem loans | 0.19% | 0.04% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.44% |
| Return on assets | 0.92% (stronger) | 0.81% |
| Loans ÷ deposits | 93.7% | 59.7% (stronger) |
| Uninsured deposits | 38.7% | 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 63). On the 7 directional measures above (where higher or lower is clearly better), Mi 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.