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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 53rd largest credit union in the state of West Virginia. It is also the 4,011th largest credit union in the nation. It was established in 1963 and as of March of 2018, it had grown to 2 employees and 1,530 members at 1 location. Cha-Tel Federal Credit Union has a C+ 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
C+
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 - YTD0.11%
Return on Equity - YTD1.03%
Annual Interest Income$92.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$11.3MM$11.5MM
LoansQ1 2018vs Q1 2017$6.5MM$6.9MM
DepositsQ1 2018vs Q1 2017$10.1MM$10.4MM
Equity CapitalQ1 2018vs Q1 2017$1.2MM$1.1MM
Loan Loss AllowanceQ1 2018vs Q1 2017$53.00K$37.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$92.00K$18.00K
Real Estate OwnedQ1 2018vs Q1 2017$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

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