Side-by-side · Q2 2026 data
Tel-U-Watt Federal Credit Union vs Affinity First Federal Credit Union
Credit union
Affinity First Federal Credit Union
Minot, North Dakota · Under $100 million in assets
Metric by metric
| Measure | Tel-U-Watt Federal Credit Union | Affinity First Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 88 (stronger) |
| Capital cushion | 41 | 88 (stronger) |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 47 | 73 (stronger) |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 40th | 85th |
| Total assets | $5.6M | $70.8M |
| Deposits / shares | $5.1M | $60.7M |
| Capital ratio | 9.12% | 13.83% (stronger) |
| Problem loans | 0.00% (stronger) | 0.30% |
| Net charge-offs | 0.00% | -0.06% (stronger) |
| Return on assets | 0.68% | 1.33% (stronger) |
| Loans ÷ deposits | 70.2% | 59.4% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 2.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Affinity First Federal Credit Union has the higher TellerScore (88 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Tel-U-Watt Federal Credit Union leads on 2 and Affinity First Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.