PackageTrendsPeer
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Cha-Tel

Charleston, WV · Charter 15935

NCUA · 1 branch

Q2 2026

$11.5MAssets
$5.9MLoans
$9.9MShares
$1.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.81%, up 57 bps year over year; NIM at 4.18%.
  • Asset quality: problem loans at 0.04% of loans (-19 bps YoY).
  • Capital: net worth / assets of 13.62%, up 22 bps from a year ago.
  • Funding: loans stand at 59.66% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.81%+57 bps YoY

Net Interest Margin (YTD, annualized)

4.18%+44 bps YoY

Efficiency Ratio (YTD, annualized)

83.70%-1,094 bps YoY

Net Worth / Assets

13.62%+22 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.25%0.23%0.25%0.39%0.81%+57 bps
Return on Equity1.83%1.63%1.78%2.87%5.97%+415 bps
Net Interest Margin3.74%3.82%3.84%3.61%4.18%+44 bps
Efficiency Ratio94.64%95.18%94.77%91.17%83.70%-1,094 bps
Growth
Asset Growth (YoY)1.63%-2.38%2.20%2.62%2.31%+68 bps
Loan Growth (YoY)1.76%7.47%10.69%5.26%-1.19%-295 bps
Share Growth (YoY)2.15%-2.95%2.29%2.41%1.50%-65 bps
Asset Quality
Delinquent Loans / Loans0.23%0.22%0.23%0.04%0.04%-19 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.40%13.89%13.75%13.48%13.62%+22 bps
Net Worth / Assets13.40%13.89%13.75%13.48%13.62%+22 bps
Liquidity & Funding
Loans / Shares61.28%64.82%61.66%59.61%59.66%-162 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps