Side-by-side · Q2 2026 data
Oxford 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 | Oxford Bank | Cha-Tel Federal Credit Union |
|---|---|---|
| TellerScore | 53 | 86 (stronger) |
| Capital cushion | 69 | 86 (stronger) |
| Loan quality | 25 | 99 (stronger) |
| Earnings | 57 (stronger) | 53 |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 63 | 100 (stronger) |
| Peer percentile | 9th | 80th |
| Total assets | $930.5M | $11.5M |
| Deposits / shares | $782.6M | $9.9M |
| Capital ratio | 11.93% | 13.62% (stronger) |
| Problem loans | 2.26% | 0.04% (stronger) |
| Net charge-offs | -0.06% (stronger) | 0.44% |
| Return on assets | 0.92% (stronger) | 0.81% |
| Loans ÷ deposits | 91.1% | 59.7% (stronger) |
| Uninsured deposits | 27.7% | 1.8% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cha-Tel Federal Credit Union has the higher TellerScore (86 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Oxford 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.