Side-by-side · Q2 2026 data
Putnam County 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 | Putnam County Bank | Cha-Tel Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 86 (stronger) |
| Capital cushion | 73 | 86 (stronger) |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 59 (stronger) | 53 |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 77th | 80th |
| Total assets | $704.2M | $11.5M |
| Deposits / shares | $617.5M | $9.9M |
| Capital ratio | 12.32% | 13.62% (stronger) |
| Problem loans | 0.00% (stronger) | 0.04% |
| Net charge-offs | -0.03% (stronger) | 0.44% |
| Return on assets | 0.97% (stronger) | 0.81% |
| Loans ÷ deposits | 72.1% | 59.7% (stronger) |
| Uninsured deposits | 29.3% | 1.8% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.7% | — |
Cha-Tel Federal Credit Union has the higher TellerScore (86 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Putnam County 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.