Cha-Tel
Charleston, WV · Charter 15935 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$11.5MAssets
$5.9MLoans
$9.9MShares
$1.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 90% of credit unions under $1B in assets (rank 167 of 1682).
- Widest gap: efficiency ratio trails 67% of credit unions under $1B in assets (rank 1124 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.81%
Rank 767 of 1,683
Net Interest Margin
4.18%
Rank 532 of 1,683
Efficiency Ratio
83.68%
Rank 1,124 of 1,682
Equity / Assets
13.62%
Rank 728 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.81% | 0.35% | 0.74% | 1.18% | Beats 54% | 767 / 1,683 | |
| Return on Equity | 5.98% | 2.67% | 5.89% | 8.74% | Beats 51% | 825 / 1,681 | |
| Net Interest Margin | 4.18% | 3.31% | 3.82% | 4.32% | Beats 68% | 532 / 1,683 | |
| Efficiency Ratio | 83.68% | 68.91% | 78.20% | 86.93% | Beats 33% | 1,124 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.26% | 0.65% | 1.29% | Beats 90% | 167 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.62% | 10.44% | 12.89% | 16.53% | Beats 57% | 728 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.62% | 10.44% | 12.89% | 16.53% | Beats 57% | 728 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 59.66% | 52.61% | 69.38% | 83.50% | 34th pctl | 1,110 / 1,683 | |
| Loans / Assets | 51.44% | 44.71% | 59.18% | 70.72% | 36th pctl | 1,071 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |