Cha-Tel Credit Union

Cha-Tel Credit Union is headquartered in Charleston and is the 52^nd largest credit union in the state of West Virginia. It is also the 4,603^rd largest credit union in the nation. It was established in 1963 and as of December of 2011, it had grown to 3 employees and 2,116 members. Cha-Tel Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics CHA-TEL NCUA # 15935 BankRate Report View Year Chartered 1963 Employees 3 Primary Regulator Assets and Liabilities Assets $10.08 million Loans $4.39 million Deposits $9.14 million Equity Capital $887,000 Loan Loss Allowance $16,000 Unbacked Noncurrent Loans $44,000 Historic Data - December 2010 Assets $9.52 million Equity Capital $931,000 Loan Loss Allowance $38,000 Unbacked Noncurrent Loans $38,000 Profit Margin - Quarterly Net Interest Margin 6.58% Return on Assets -0.43% Return on Equity -4.85% Interest Income $338,000 Non-Interest Income $124,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Cha-Tel Credit Union had $44,000 in non-current loans and owned real-estate with $903,000 in equity and loan loss allowances on hand to cover it. This gives Cha-Tel Credit Union a Texas Ratio of 4.87% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Cha-Tel Credit Union held steady from 3.92% as of December 31, 2010 to 4.87% as of December 31, 2011, resulting in a negative change of 24.25%. This indicates that the balance sheet and financial strength for Cha-Tel Credit Union has held steady in recent periods. Deposit Growth In the past year, Cha-Tel Credit Union has increased its total deposits by $604,000, resulting in 7.07% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Cha-Tel Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Cha-Tel Credit Union has $10.08 million in assets with $903,000 in equity, resulting in a capitalization level of 8.95%, which is average.

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