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Overview / Commentary
1500 Maccorkle Ave SE
Charleston, WV 25314

Cha-Tel Federal Credit Union is headquartered in Charleston and is the 50th largest credit union in the state of West Virginia. It is also the 4,114th largest credit union in the nation. It was established in 1963 and as of June of 2016, it had grown to 2 employees and 1,601 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.
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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

NCUA #15935
Year Chartered1963
Primary Regulator
Profit Margin
Return on Assets - YTD0.89%
Return on Equity - YTD9.85%
Annual Interest Income$194.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$11.2MM$10.6MM
LoansQ2 2016vs Q2 2015$6.8MM$5.9MM
DepositsQ2 2016vs Q2 2015$10.2MM$9.7MM
Equity CapitalQ2 2016vs Q2 2015$1.0MM$924.00K
Loan Loss AllowanceQ2 2016vs Q2 2015$35.00K$14.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$45.00K$31.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
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Cha-Tel Federal Credit Union Savings Account Rates

0.05%--Vacation Club
0.05%--Christmas Club

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