Federal credit union · Charleston, West Virginia · NCUA charter #15935
CHA-TEL
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $11.1M
- Total assets
- 1,260
- Members
- 13.5%
- Net-worth ratio
CHA-TEL scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.1M; members 1,260; net-worth ratio 13.48%; health rank #1,234 of 4,374; healthier than 69th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,234 of 4,374 health · 2025Q4CHA-TEL · health 89/100 · $11.1M · 2025Q4
Call Report peers
CHA-TEL in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CHA-TEL vs every NCUA-scored credit union
CHA-TEL sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for CHA-TEL
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +1.86 pp (61.66% vs 59.80%).
- Largest lag: Net Worth Ratio at 13.48% vs peer 14.86% (-1.38 pp).
CHA-TEL: in-state Call Report ranks
- In West Virginia, health place is #15 of 74 on the same NCUA-ratio sort used nationally.
- Assets rank #54 of 74 inside West Virginia ($11.1M reported).
- Membership ranks #50 of 74 among West Virginia CUs with a reported count (1,260 members).
- One place up in West Virginia, HOME (#14) ties at 89/100; one place down, Natrium Employees (#16) ties at 89/100.
Quarter path for CHA-TEL
CHA-TEL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $11.1M (2025Q4) to $11.4M (2026Q1).
- Net-worth ratio shifted -0.27 pp (13.75% → 13.48%).
13.48% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
CHA-TEL gives up 11 points in total. Member Growth costs the most, 9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.0 pts
- Loan-to-Share Ratio 13.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.48% | -1.38 pp |
| Delinquency Rate | 0.23% | -0.92 pp |
| Return on Assets | 1.05% | +0.34 pp |
| Member Growth | -1.64% | - |
| Loan-to-Share Ratio | 61.66% | +1.86 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
CHA-TEL quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.4M | - |
| 2025Q4 | $11.1M | 1,260 |
| 2024Q4 | $10.9M | 1,281 |
| 2023Q4 | $11.1M | 1,311 |
Credit Union Details
- Charter Number
- 15935
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- Charleston
- Data Quarter
- 2025Q4
Branch Locations (3)
CHA-TEL operates 3 offices across 3 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Cha Tel (Main Office) | Charleston, WV |
| KEMBA CHARLESTON FCU | DUNBAR, WV |
| Fiserv Calaxy | Troy, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in West Virginia
A look at other West Virginia credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near CHA-TEL
Similar total assets
Similar health score
Using this data
- CHA-TEL ranks #1,234 of 4,374 nationally on financial health and #15 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Natrium Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Natrium Employees
Frequently Asked Questions
Is CHA-TEL financially healthy?
On its 2025Q4 NCUA 5300 filing, CHA-TEL scores 89/100 (Excellent), with a 13.48% net worth ratio and 0.23% of loans delinquent. It ranks #1,234 of 4,374 nationally on health and #15 of 74 in West Virginia.
How does CHA-TEL compare to other credit unions?
CHA-TEL scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (61.66% vs 59.80%). Its widest shortfall is net worth ratio (13.48% vs 14.86%).
How can I join CHA-TEL?
CHA-TEL operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact CHA-TEL directly for the exact boundaries and application steps.
Is my money safe at CHA-TEL?
CHA-TEL is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. CHA-TEL's net worth ratio of 13.48% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.