Side-by-side · Q2 2026 data
Tel-U-Watt Federal Credit Union vs Northern Sts Pwr Company Emp Federal Credit Union
Credit union
Northern Sts Pwr Company Emp Federal Credit Union
Grand Forks, North Dakota · Under $100 million in assets
Metric by metric
| Measure | Tel-U-Watt Federal Credit Union | Northern Sts Pwr Company Emp Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 77 (stronger) |
| Capital cushion | 41 | 58 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 47 | 59 (stronger) |
| Funding & liquidity | 90 (stronger) | 85 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 40th | 57th |
| Total assets | $5.6M | $1.5M |
| Deposits / shares | $5.1M | $1.3M |
| Capital ratio | 9.12% | 10.83% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.68% | 0.98% (stronger) |
| Loans ÷ deposits | 70.2% (stronger) | 75.5% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northern Sts Pwr Company Emp Federal Credit Union has the higher TellerScore (77 vs 70). On the 4 directional measures above (where higher or lower is clearly better), Tel-U-Watt Federal Credit Union leads on 1 and Northern Sts Pwr Company Emp Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.