Charleston, West Virginia · Peer group 3
Cha-Tel Credit Union
Cha-Tel Credit Union holds $11.4M in assets across 1,240 members as of Q1 2026 — about $9K of assets per member, on a charter dating to 1963. Charter number 15935, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $11.4M |
|---|---|
| Total loans | $5.9M |
| Total shares (deposits) | $9.8M |
| Net worth | $1.5M |
| Members | 1,240 |
| Assets per member | $9K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 2.6% | |
|---|---|---|
| Loans | 5.3% | around the 82nd percentile of its peer group |
| Deposits | 2.4% | around the 58th percentile of its peer group |
| Members | -3.4% | around the 27th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 59.6% | around the 54th percentile of its peer group |
|---|---|---|
| Net worth ratio | 13.5% | around the 49th percentile of its peer group |
| Return on assets | 0.39% | around the 35th percentile of its peer group |
| Delinquency ratio | 0.04% | around the 14th percentile of its peer group |
| Cash / assets | 18.1% | around the 78th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Cha-Tel Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within West Virginia — the comparison set a peer ratio is measured against.
- Natrium Employees Credit Union
Proctor, WV
$11.8M · 756 members
- Willow Island Credit Union
Saint Marys, WV
$12.3M · 1,701 members
- United Hospital Center Credit Union
Bridgeport, WV
$12.5M · 1,472 members
- Local No. 317 I.A.F.F. Credit Union
Charleston, WV
$10.1M · 456 members
- Marion County School Employees Credit Union
Fairmont, WV
$9.7M · 821 members
- Romney Credit Union
ROMNEY, WV
$14.0M · 1,621 members
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