Tel-U-Watt Federal Credit Union
Total assets
$5.5M
▼ -3.4% YoY
Shares & deposits
$5.0M
▼ -4.4% YoY
Loans
$4.0M
▼ -7.8% YoY
Members
341
▼ -5.5% YoY
ROA (annualized)
0.54%
peers 0.60%
ROE (annualized)
5.78%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +1.3% | -4.7 pts |
| Share growth (YoY) | -4.4% | +0.7% | -5.1 pts |
| Loan growth (YoY) | -7.8% | -2.4% | -5.4 pts |
| ROA | 0.54% | 0.60% | -0.1 pts |
| ROE | 5.8% | 4.1% | +1.7 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
Profile
- Established
- 1935
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 2
- Address
- P. O. Box 3070, Minot, ND, 58702
- NCUA charter #
- 146
- RSSD ID
- 895372
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.5M | $5.0M | $4.0M | $511K | $7K | 0.54% | 1.47% | 0.00% | 341 |
| Q4 2025 | $5.5M | $4.9M | $4.2M | $503K | $36K | 0.67% | 1.65% | 0.00% | 345 |
| Q3 2025 | $5.7M | $5.2M | $4.2M | $481K | $14K | 0.32% | 1.29% | 0.00% | 352 |
| Q2 2025 | $5.6M | $5.1M | $4.2M | $472K | $5K | 0.18% | 1.16% | 0.00% | 356 |
| Q1 2025 | $5.7M | $5.2M | $4.3M | $462K | $-5K | -0.37% | 0.59% | 0.00% | 361 |
| Q4 2024 | $5.6M | $5.1M | $4.3M | $467K | $23K | 0.42% | 0.81% | 0.00% | 360 |
| Q3 2024 | $5.4M | $4.9M | $4.3M | $472K | $28K | 0.69% | 0.96% | 0.00% | 359 |
| Q2 2024 | $5.3M | $4.8M | $4.3M | $473K | $29K | 1.11% | 1.09% | 0.00% | 361 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.2M · securities $950K
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 1.47% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.8% | 81.5% | — | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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