CHA-TEL
Charter #15935 · Charleston, WV · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,240 sits at the 23rd percentile of structural peers — worth a closer look.
- Return on average assets of 0.39% sits at the 23rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.04% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.91% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 91.17% sits at the 84th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CHA-TEL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $11.40M | 7th pct | 30th pct |
| Members | 1,240 | 14th pct | 23th pct |
| Net worth ratio | 13.48% | 49th pct | 39th pct |
| Return on average assets | 0.39% | 35th pct | 23th pct |
| Net interest margin | 3.66% | 40th pct | 34th pct |
| Cost of funds | 1.38% | 73th pct | 72th pct |
| Loan-to-share | 59.61% | 54th pct | 48th pct |
| Delinquency 60+ days | 0.04% | 14th pct | 20th pct |
| Net charge-off ratio | 0.91% | 84th pct | 85th pct |
| Loan growth YoY | -3.63% | 41th pct | 51th pct |
| Share growth YoY | 4.80% | 73th pct | 61th pct |
| Efficiency ratio | 91.17% | 75th pct | 84th pct |
structural peer set hash: 04cde0a303cfd63c8e61d06ecd36cdb1… (reproducible)
Closest structural peers
This is the free public view
Claim CHA-TEL
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.