Cha-Tel Federal Credit Union
Total assets
$11.4M
▲ +2.6% YoY
Shares & deposits
$9.8M
▲ +2.4% YoY
Loans
$5.9M
▲ +5.3% YoY
Members
1,240
▼ -3.4% YoY
ROA (annualized)
0.39%
peers 0.60%
ROE (annualized)
2.87%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +1.3% | +1.3 pts |
| Share growth (YoY) | +2.4% | +0.7% | +1.8 pts |
| Loan growth (YoY) | +5.3% | -2.4% | +7.6 pts |
| ROA | 0.39% | 0.60% | -0.2 pts |
| ROE | 2.9% | 4.1% | -1.2 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
Profile
- Established
- 1963
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 1500 Maccorkle Ave, Charleston, WV, 25396
- NCUA charter #
- 15935
- RSSD ID
- 370589
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.4M | $9.8M | $5.9M | $1.5M | $11K | 0.39% | 3.61% | 0.04% | 1,240 |
| Q4 2025 | $11.1M | $9.6M | $5.9M | $1.5M | $27K | 0.25% | 3.84% | 0.23% | 1,260 |
| Q3 2025 | $10.9M | $9.4M | $6.1M | $1.5M | $18K | 0.23% | 3.82% | 0.22% | 1,264 |
| Q2 2025 | $11.3M | $9.8M | $6.0M | $1.5M | $14K | 0.25% | 3.74% | 0.23% | 1,283 |
| Q1 2025 | $11.1M | $9.6M | $5.6M | $1.5M | $-19K | -0.70% | 2.84% | 0.00% | 1,283 |
| Q4 2024 | $10.9M | $9.3M | $5.3M | $1.5M | $116K | 1.07% | 4.55% | 0.00% | 1,281 |
| Q3 2024 | $11.2M | $9.7M | $5.7M | $1.5M | $118K | 1.41% | 4.74% | 0.00% | 1,290 |
| Q2 2024 | $11.1M | $9.6M | $5.9M | $1.5M | $100K | 1.79% | 5.09% | 0.00% | 1,300 |
Loan mix (Q1 2026): real estate $0 · commercial $26K · consumer $5.3M · securities $3.1M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 0.60% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 4.1% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.83% | 40th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.2% | 81.5% | 71th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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