Minot, North Dakota · Peer group 2
Tel-U-Watt Credit Union
Tel-U-Watt Credit Union holds $5.5M in assets across 341 members as of Q1 2026 — about $16K of assets per member, on a charter dating to 1935. Charter number 146, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $5.5M |
|---|---|
| Total loans | $4.0M |
| Total shares (deposits) | $5.0M |
| Net worth | $511K |
| Members | 341 |
| Assets per member | $16K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -3.4% | |
|---|---|---|
| Loans | -7.8% | around the 40th percentile of its peer group |
| Deposits | -4.4% | around the 33rd percentile of its peer group |
| Members | -5.5% | around the 16th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 80.3% | around the 77th percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.3% | lower than 90% of its peer group |
| Return on assets | 0.54% | around the 55th percentile of its peer group |
| Delinquency ratio | 0.00% | around the 11th percentile of its peer group |
| Cash / assets | 9.7% | around the 27th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Tel-U-Watt Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within North Dakota — the comparison set a peer ratio is measured against.
- Lisbon Farmers Union Credit Union
LISBON, ND
$4.4M · 235 members
- F.F.E. Credit Union
FARGO, ND
$3.5M · 442 members
- Northern Sts Pwr Company Emp Credit Union
Grand Forks, ND
$1.5M · 114 members
- Cce Credit Union
Fargo, ND
$14.1M · 1,322 members
- Fargo VA Credit Union
FARGO, ND
$14.2M · 1,493 members
- Minot Area Schools Credit Union
MINOT, ND
$15.0M · 1,175 members
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