BlastPoint's Credit Union Scorecard
CHA-TEL
Charter #15935 · WV
CHA-TEL has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.37% below tier average
- - Efficiency ratio 12.21% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,260
-1.6% YoY-0.3% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
35% |
| Assets |
$11.1M
+2.2% YoY+1.6% QoQ
|
$-19.1M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
34% |
| Loans |
$5.9M
+10.7% YoY-3.2% QoQ
|
$-9.9M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$9.6M
+2.3% YoY+1.7% QoQ
|
$-16.1M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
35% |
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| ROA |
0.2%
-76.6% YoY+11.2% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
27% |
| NIM |
3.9%
-13.7% YoY+2.8% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
49% |
| Efficiency Ratio |
94.8%
+18.3% YoY-0.4% QoQ
|
+12.2% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
82% |
| Delinquency Rate |
0.2%
+3.3% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
28% |
| Loan To Share |
61.7%
+8.2% YoY-4.9% QoQ
|
+1.0% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
51% |
| AMR |
$12,265
+7.1% YoY+0.1% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
41% |
| CD Concentration |
26.2%
-10.1% YoY-6.3% QoQ
|
+1.8% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)