BlastPoint's Credit Union Scorecard
TEL-U-WATT
Charter #146 · ND
2556 CUs in <100M nationally
17 in ND
TEL-U-WATT has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.04% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 4.6% in tier
- + Average Member Relationship (AMR): Top 6.7% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.2% YoY
- - Net Interest Margin (NIM): Bottom 2.0% in tier
- - Total Members: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
345
-4.2% YoY-2.0% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
7,403
+0.2% YoY
|
33,374
+5.7% YoY
|
Bottom 9.2% in tier |
| Assets |
$5.5M
-2.3% YoY-3.6% QoQ
|
$-24.7M |
$30.1M
+2.1% YoY
|
$203.1M
+5.7% YoY
|
$561.6M
+9.7% YoY
|
21% |
| Loans |
$4.2M
-2.2% YoY-0.1% QoQ
|
$-11.6M |
$15.8M
-1.3% YoY
|
$138.6M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$4.9M
-3.2% YoY-4.1% QoQ
|
$-20.7M |
$25.7M
+1.4% YoY
|
$169.6M
+4.0% YoY
|
$477.3M
+9.7% YoY
|
23% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.7%
+54.4% YoY+101.5% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.8%
+5.9% YoY
|
0.7%
+15.9% YoY
|
49% |
| NIM |
1.6%
+95.2% YoY+25.6% QoQ
|
-2.3% |
4.0%
+4.0% YoY
|
3.3%
+8.5% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.0% in tier |
| Efficiency Ratio |
59.2%
-10.8% YoY-19.3% QoQ
|
-23.4% |
82.6%
-2.3% YoY
|
75.8%
-12.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 10.6% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
84.4%
+1.0% YoY+4.2% QoQ
|
+23.8% |
60.6%
-3.1% YoY
|
70.8%
-2.6% YoY
|
67.4%
-1.7% YoY
|
84% |
| AMR |
$26,441
+1.5% YoY-0.3% QoQ
|
+$12K |
$14,783
-1.4% YoY
|
$32,845
+1.7% YoY
|
$19,687
+2.0% YoY
|
Top 6.7% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 22.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
118
Loan-to-Member Ratio (LMR)
engagement
Value:
$12,106
Peer Median: -
#118 of 2556
Top 4.6% in <100M tier
171
Average Member Relationship (AMR)
engagement
Value:
$26,441
Peer Median: -
#171 of 2556
Top 6.7% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
271
Efficiency Ratio
profitability
Value:
59.19%
Peer Median: -
#271 of 2556
Top 10.6% in <100M tier
402
Loan-to-Share Ratio
balance_sheet
Value:
84.45%
Peer Median: -
#402 of 2556
Top 15.7% in <100M tier
Top Weaknesses (10 metrics)
2505
Net Interest Margin (NIM)
profitability
Value:
1.62%
Peer Median: -
#2505 of 2556
Bottom 2.0% in <100M tier
2322
Total Members
engagement
Value:
345
Peer Median: -
#2322 of 2556
Bottom 9.2% in <100M tier
2266
Net Worth Ratio
risk
Value:
9.24%
Peer Median: -
#2266 of 2556
Bottom 11.4% in <100M tier
2253
Members Per Employee (MPE)
engagement
Value:
172.500
Peer Median: -
#2253 of 2556
Bottom 11.9% in <100M tier
2030
Total Assets
balance_sheet
Value:
$5.45M
Peer Median: -
#2030 of 2556
Bottom 20.6% in <100M tier
1997
Member Growth Rate
growth
Value:
-4.17%
Peer Median: -
#1997 of 2556
Bottom 21.9% in <100M tier
1989
Fee Income Per Member
profitability
Value:
$14.83
Peer Median: -
#1989 of 2556
Bottom 22.2% in <100M tier
1972
Total Deposits
balance_sheet
Value:
$4.95M
Peer Median: -
#1972 of 2556
Bottom 22.9% in <100M tier
1931
Asset Growth Rate
growth
Value:
-2.35%
Peer Median: -
#1931 of 2556
Bottom 24.5% in <100M tier
1920
Deposit Growth Rate
growth
Value:
-3.15%
Peer Median: -
#1920 of 2556
Bottom 24.9% in <100M tier