Side-by-side · Q2 2026 data
Walled Lake Schools Federal Credit Union vs Cha-Tel Federal Credit Union
Credit union
Walled Lake Schools Federal Credit Union
Wolverine Lake, Michigan · $100 million – $1 billion
Credit union
Cha-Tel Federal Credit Union
Charleston, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Walled Lake Schools Federal Credit Union | Cha-Tel Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 86 (stronger) |
| Capital cushion | 96 (stronger) | 86 |
| Loan quality | 50 | 99 (stronger) |
| Earnings | 75 (stronger) | 53 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 80th | 80th |
| Total assets | $138.4M | $11.5M |
| Deposits / shares | $119.0M | $9.9M |
| Capital ratio | 14.58% (stronger) | 13.62% |
| Problem loans | 1.50% | 0.04% (stronger) |
| Net charge-offs | 0.33% (stronger) | 0.44% |
| Return on assets | 1.37% (stronger) | 0.81% |
| Loans ÷ deposits | 26.0% (stronger) | 59.7% |
| Uninsured deposits | 2.7% | 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 81). On the 7 directional measures above (where higher or lower is clearly better), Walled Lake Schools Federal Credit Union leads on 4 and Cha-Tel Federal Credit Union on 3. 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.