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Overview / Commentary
304-344-3330
1500 Maccorkle Ave SE
Charleston, WV 25314

Cha-Tel Federal Credit Union is headquartered in Charleston and is the 51st largest credit union in the state of West Virginia. It is also the 4,050th largest credit union in the nation. It was established in 1963 and as of June of 2017, it had grown to 2 employees and 1,591 members at 1 location. Cha-Tel Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to employees and retirees of Verizon, Frontier, Pinkerton/Burns Security, T&T and its subsidiaries, Life Bridge of Kanawha Valley and its subsidiaries, or Fibernet who work in Kanawha, Putnam, Clay, Boone, and Lincoln counties.
See current membership details

Reviews (1)

Great credit union

I have been a member of this credit union for 20+ years. There is a reason I am still there, they care about their customer. I will walk in the credit union and the person will know your name already and just ask how much you need. They have over 5000+ members so that is amazing that they remember it. Also they will beat any banks deals on things such as car loans, personal loans and etc. For example when I went to get my car loan I was offered 3% on the interest. They beat that and gave me the loan with a 1.9% interest rate! They do have a online banking site that is alright but isn't on the bigger banks level (the reason I only gave them a 4 on the Web/Mobile Experience part). However the security on the web site is 2x better than a bigger bank as they make you go through 2 levels of security plus have a picture (that the customer picks) to make sure your account is secure. This is a great credit union and probably better than most banks.



Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Cha-Tel Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #15935
Year Chartered1963
Employees2
Primary Regulator
Profit Margin
Return on Assets - YTD0.95%
Return on Equity - YTD9.73%
Annual Interest Income$210.00K
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$11.6MM$11.2MM
LoansQ2 2017vs Q2 2016$6.8MM$6.8MM
DepositsQ2 2017vs Q2 2016$10.4MM$10.2MM
Equity CapitalQ2 2017vs Q2 2016$1.1MM$1.0MM
Loan Loss AllowanceQ2 2017vs Q2 2016$47.00K$35.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$30.00K$45.00K
Real Estate OwnedQ2 2017vs Q2 2016$0$0
Rates
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Cha-Tel Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$25-Savings/Share
0.05%--Vacation Club
0.05%--Christmas Club
Locations


Cha-Tel Federal Credit Union Locations
Branch Office1500 Maccorkle Ave SECharleston, WV 25396