Tel-U-Watt Federal Credit Union is a federal credit union headquartered in Minot, North Dakota, in business for about 91 years. At the end of Q2 2026 it reported $5.6M in total assets and $5.1M in member shares and deposits, with 1 office.
Tel-U-Watt Federal Credit Union has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 40% of its 2,479 credit unions with under $100 million in assets. Among 29 credit unions headquartered in North Dakota, it ranks 18th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (41/100, 9.12%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 8 points (62 → 70), mostly because the earnings component improved by 20 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 67 |
| Q4 2024 | 64 |
| Q1 2025 | 57 |
| Q2 2025 | 62 |
| Q3 2025 | 64 |
| Q4 2025 | 68 |
| Q1 2026 | 68 |
| Q2 2026 | 70 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.00% |
| Q3 2024 | 8.81% |
| Q4 2024 | 8.37% |
| Q1 2025 | 8.16% |
| Q2 2025 | 8.42% |
| Q3 2025 | 8.50% |
| Q4 2025 | 9.24% |
| Q1 2026 | 9.34% |
| Q2 2026 | 9.12% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.11% |
| Q3 2024 | 0.69% |
| Q4 2024 | 0.42% |
| Q1 2025 | -0.37% |
| Q2 2025 | 0.18% |
| Q3 2025 | 0.32% |
| Q4 2025 | 0.67% |
| Q1 2026 | 0.54% |
| Q2 2026 | 0.68% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $5.6M | 9.12% | 0.00% | 0.68% | 70.2% |
| Q1 2026 | 68 | $5.5M | 9.34% | 0.00% | 0.54% | 80.3% |
| Q4 2025 | 68 | $5.5M | 9.24% | 0.00% | 0.67% | 84.4% |
| Q3 2025 | 64 | $5.7M | 8.50% | 0.00% | 0.32% | 81.0% |
| Q2 2025 | 62 | $5.6M | 8.42% | 0.00% | 0.18% | 81.8% |
| Q1 2025 | 57 | $5.7M | 8.16% | 0.00% | -0.37% | 83.2% |
| Q4 2024 | 64 | $5.6M | 8.37% | 0.00% | 0.42% | 83.6% |
| Q3 2024 | 67 | $5.4M | 8.81% | 0.00% | 0.69% | 88.9% |
| Q2 2024 | 70 | $5.3M | 9.00% | 0.00% | 1.11% | 89.8% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in North Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lisbon Farmers Union Credit UnionCredit union Lisbon, ND | 70 out of 100, Strong | $4.3M | 63.5% | 0.62% | vs |
| F.F.E. Federal Credit UnionCredit union Fargo, ND | 79 out of 100, Strong | $3.8M | 13.5% | 0.00% | vs |
| Northern Sts Pwr Company Emp Federal Credit UnionCredit union Grand Forks, ND | 77 out of 100, Strong | $1.5M | 10.8% | 0.00% | vs |
| Cce Federal Credit UnionCredit union Fargo, ND | 72 out of 100, Strong | $14.0M | 18.5% | 3.34% | vs |
| Fargo VA Federal Credit UnionCredit union Fargo, ND | 84 out of 100, Strong | $14.1M | 12.6% | 0.00% | vs |
| Minot Area Schools Federal Credit UnionCredit union Minot, ND | 69 out of 100, Moderate | $14.8M | 9.0% | 0.06% | vs |
Deposit insurance
Is my money safe at Tel-U-Watt Federal Credit Union?
Yes. Tel-U-Watt Federal Credit Union is a federally insured credit union (NCUA charter #146). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 9.12%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Tel-U-Watt Federal Credit Union lists 1 office in 1 city. Most locations:
- Minot, ND (1)
Identity & history
Profile
- Legal name
- Tel-U-Watt Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 146
- RSSD ID
- 895372
- Primary regulator
- NCUA
- Established
- 1935
- Headquarters
- P. O. Box 3070, Minot, ND 58702
- Employees
- 2
Quick answers
Tel-U-Watt Federal Credit Union: common questions
Is Tel-U-Watt Federal Credit Union NCUA insured?
Yes. Tel-U-Watt Federal Credit Union is a federally insured credit union (NCUA charter #146). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Tel-U-Watt Federal Credit Union's TellerScore?
70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Tel-U-Watt Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Minot
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Affinity First Federal Credit UnionCredit union Minot, ND | 88 out of 100, Very strong | $70.8M | 13.8% | 0.30% | vs |
| Aspire Community Federal Credit UnionCredit union Minot, ND | 87 out of 100, Very strong | $181.6M | 15.6% | 0.41% | vs |
| Peoples State Bank of VelvaBank Velva, ND | 73 out of 100, Strong | $210.0M | 9.3% | 0.10% | vs |
| Minot Area Schools Federal Credit UnionCredit union Minot, ND | 69 out of 100, Moderate | $14.8M | 9.0% | 0.06% | vs |
| Credit Union 1Credit union Lombard, IL | 68 out of 100, Moderate | $2.9B | 10.9% | 1.35% | vs |
| Bravera BankBank Dickinson, ND | 67 out of 100, Moderate | $3.8B | 9.7% | 0.90% | vs |