Cha-Tel

Charleston, WV · 1 · Charter #15935 · www.chatelfcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$11.1M
44th percentile
Members
1,260
45th percentile
Total loans
$5.9M
48th percentile
Total shares
$9.6M
46th percentile

Profitability

Return on assets
0.25%
25th percentile
Net interest margin
3.84%
45th percentile
Efficiency ratio
76.77%
30th percentile
Non-interest income ratio
14.80%
68th percentile

Capital & Risk

Net worth ratio
13.75%
42th percentile
Delinquency rate
0.23%
69th percentile
Net charge-off rate
-0.06%
95th percentile
Loan-to-share
61.66%
52th percentile

Growth

Member growth YoY
-1.64%
47th percentile
Asset growth YoY
2.20%
57th percentile
Loan growth YoY
10.69%
90th percentile
Share growth YoY
2.29%
60th percentile

Operations

Members / branch
630
29th percentile
Assets / member
$8,804
46th percentile
Field of membership penetration
42.00%
57th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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