Cha-Tel
Cha-Tel is a credit union based in Charleston, West Virginia, established in 1963, with $11 million in total assets serving 1,240 members. By Trust Grade it ranks 42nd of 73 credit unions we track in West Virginia. Its net worth ratio of 13.5% trails most similarly sized credit unions (45th percentile), versus a West Virginia median of 13.5%. It was profitable over the most recent period, with a 0.39% return on assets. No consumer complaints against Cha-Tel appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Cha-Tel compares to West Virginia peers
How we graded Cha-Tel
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.5% capital ratio)
- Profitable (ROA 0.39%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Cha-Tel over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Cha-Tel insured?
Yes. Cha-Tel is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Cha-Tel: frequently asked questions
Is Cha-Tel a good credit union?
Cha-Tel earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Strongly capitalized (13.5% capital ratio); Profitable (ROA 0.39%).
Is Cha-Tel NCUA-insured?
Yes. Cha-Tel is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Cha-Tel?
Cha-Tel holds $11 million in total assets, ranking 42nd of 73 credit unions we track in West Virginia. It serves 1,240 members.
Does Cha-Tel have CFPB complaints?
No CFPB complaints against Cha-Tel appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
