Side-by-side · Q2 2026 data
United Hospital Center Federal Credit Union vs Cha-Tel Federal Credit Union
Credit union
United Hospital Center Federal Credit Union
Bridgeport, West Virginia · Under $100 million in assets
Credit union
Cha-Tel Federal Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | United Hospital Center Federal Credit Union | Cha-Tel Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 86 (stronger) |
| Capital cushion | 100 (stronger) | 86 |
| Loan quality | 35 | 99 (stronger) |
| Earnings | 61 (stronger) | 53 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 79 | 100 (stronger) |
| Peer percentile | 49th | 80th |
| Total assets | $13.2M | $11.5M |
| Deposits / shares | $10.3M | $9.9M |
| Capital ratio | 22.36% (stronger) | 13.62% |
| Problem loans | 1.95% | 0.04% (stronger) |
| Net charge-offs | 8.55% | 0.44% (stronger) |
| Return on assets | 1.02% (stronger) | 0.81% |
| Loans ÷ deposits | 59.2% (stronger) | 59.7% |
| Uninsured deposits | 3.1% | 1.8% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cha-Tel Federal Credit Union has the higher TellerScore (86 vs 74). On the 7 directional measures above (where higher or lower is clearly better), United Hospital Center Federal Credit Union leads on 3 and Cha-Tel Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.