TellerScore

Headquartered in Charleston, West Virginia, Cha-Tel Federal Credit Union is a federal credit union with $11.5M in total assets and $9.9M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1963.

Cha-Tel Federal Credit Union has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 80% of its 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 18th. Funding & liquidity contributes the most (100/100, 60% loans-to-deposits, 2% uninsured); earnings contributes the least (53/100, 0.81%).

TellerScore · Q2 2026

Scorecard

Capital cushion86/100
Net worth ratio: 13.62%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.04%
Earnings53/100
Return on assets (annualized): 0.81%
Funding & liquidity100/100
Loans ÷ shares: 59.7% · 1.8% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.15%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 7 points (79 → 86), mostly because the earnings component improved by 23 points.

TellerScore
758493Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202493
Q3 202490
Q4 202489
Q1 202575
Q2 202579
Q3 202580
Q4 202580
Q1 202682
Q2 202686
Net worth ratio
7.00%10.45%13.89%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.35%
Q3 202413.41%
Q4 202413.80%
Q1 202513.32%
Q2 202513.40%
Q3 202513.89%
Q4 202513.75%
Q1 202613.48%
Q2 202613.62%
Delinquent loans (60+ days)
0.00%0.11%0.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.23%
Q3 20250.22%
Q4 20250.23%
Q1 20260.04%
Q2 20260.04%
Return on assets
-0.70%0.55%1.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.79%
Q3 20241.41%
Q4 20241.07%
Q1 2025-0.70%
Q2 20250.25%
Q3 20250.23%
Q4 20250.25%
Q1 20260.39%
Q2 20260.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$11.5M13.62%0.04%0.81%59.7%
Q1 202682$11.4M13.48%0.04%0.39%59.6%
Q4 202580$11.1M13.75%0.23%0.25%61.7%
Q3 202580$10.9M13.89%0.22%0.23%64.8%
Q2 202579$11.3M13.40%0.23%0.25%61.3%
Q1 202575$11.1M13.32%0.00%-0.70%58.0%
Q4 202489$10.9M13.80%0.00%1.07%57.0%
Q3 202490$11.2M13.41%0.00%1.41%58.5%
Q2 202493$11.1M13.35%0.00%1.79%61.5%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.62%
44th
Problem loans0.04%
84th
Net charge-offs0.44%
30th
Return on assets0.81%
59th
Loans to deposits59.7%
49th
Uninsured deposits1.8%
47th
Loan-loss reserves0.00%
37th
Texas ratio0.1%
83rd

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Willow Island Federal Credit UnionCredit union Saint Marys, WV54 out of 100, Below average$12.0M7.9%0.72%vs
Natrium Employees Federal Credit UnionCredit union Proctor, WV83 out of 100, Strong$12.0M12.4%0.78%vs
Local No. 317 I.A.F.F. Credit UnionCredit union Charleston, WV65 out of 100, Moderate$10.1M8.6%0.00%vs
Marion County School Employees Federal Credit UnionCredit union Fairmont, WV89 out of 100, Very strong$9.9M20.7%0.53%vs
United Hospital Center Federal Credit UnionCredit union Bridgeport, WV74 out of 100, Strong$13.2M22.4%1.95%vs
Putnam School Employees Federal Credit UnionCredit union Eleanor, WV99 out of 100, Very strong$14.1M21.0%0.14%vs

Deposit insurance

Is my money safe at Cha-Tel Federal Credit Union?

Yes. Cha-Tel Federal Credit Union is a federally insured credit union (NCUA charter #15935). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 1.8% of shares and deposits ($178K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.62%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Cha-Tel Federal Credit Union lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Cha-Tel Federal Credit Union
Type
Federal credit union
NCUA charter #
15935
RSSD ID
370589
Primary regulator
NCUA
Established
1963
Headquarters
1500 Maccorkle Ave, Charleston, WV 25396
Employees
3

Quick answers

Cha-Tel Federal Credit Union: common questions

Is Cha-Tel Federal Credit Union NCUA insured?

Yes. Cha-Tel Federal Credit Union is a federally insured credit union (NCUA charter #15935). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Cha-Tel Federal Credit Union's TellerScore?

86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Cha-Tel Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.