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Overview / Commentary
24 2nd Ave SE
Minot, ND 58701

Tel-U-Watt Federal Credit Union is headquartered in Minot and is the 33rd largest credit union in the state of North Dakota. It is also the 4,897th largest credit union in the nation. It was established in 1935 and as of June of 2016, it had grown to 500 members at 1 location. Tel-U-Watt Federal Credit Union's savings rates are 3X the national average, but it has a C- health rating.

Field of Membership Restrictions

Membership in Tel-U-Watt Federal Credit Union is open to employees of Xcel Energy and SRT.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Tel-U-Watt Federal Credit Union has a very low asset base.

Health Grade Components

NCUA #146
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.04%
Return on Equity - YTD0.45%
Annual Interest Income$60.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$5.1MM$5.0MM
LoansQ2 2016vs Q2 2015$3.0MM$3.3MM
DepositsQ2 2016vs Q2 2015$4.6MM$4.6MM
Equity CapitalQ2 2016vs Q2 2015$449.00K$437.00K
Loan Loss AllowanceQ2 2016vs Q2 2015$9.00K$8.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$132.00K$73.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
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Tel-U-Watt Federal Credit Union Savings Account Rates

1.65%--Share Deposit Accounts

Tel-U-Watt Federal Credit Union Locations
Branch Office24 2nd Ave SEMinot, ND 58701