Side-by-side · Q2 2026 data
The Poca Valley Bank, Inc. 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 | The Poca Valley Bank, Inc. | Cha-Tel Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 86 (stronger) |
| Capital cushion | 28 | 86 (stronger) |
| Loan quality | 88 | 99 (stronger) |
| Earnings | 49 | 53 (stronger) |
| Funding & liquidity | 77 | 100 (stronger) |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 20th | 80th |
| Total assets | $666.2M | $11.5M |
| Deposits / shares | $603.3M | $9.9M |
| Capital ratio | 7.78% | 13.62% (stronger) |
| Problem loans | 0.37% | 0.04% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.44% |
| Return on assets | 0.72% | 0.81% (stronger) |
| Loans ÷ deposits | 83.3% | 59.7% (stronger) |
| Uninsured deposits | 12.5% | 1.8% (stronger) |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.2% | — |
Cha-Tel Federal Credit Union has the higher TellerScore (86 vs 61). On the 7 directional measures above (where higher or lower is clearly better), The Poca Valley Bank, Inc. leads on 1 and Cha-Tel Federal Credit Union on 6. 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.