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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 51st largest credit union in the state of West Virginia. It is also the 4,070th largest credit union in the nation. It was established in 1963 and as of March of 2017, it had grown to 2 employees and 1,597 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 - YTD1.03%
Return on Equity - YTD10.51%
Annual Interest Income$104.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$11.5MM$11.1MM
LoansQ1 2017vs Q1 2016$6.9MM$6.1MM
DepositsQ1 2017vs Q1 2016$10.4MM$10.1MM
Equity CapitalQ1 2017vs Q1 2016$1.1MM$985.00K
Loan Loss AllowanceQ1 2017vs Q1 2016$37.00K$28.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$18.00K$18.00K
Real Estate OwnedQ1 2017vs Q1 2016$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