BlastPoint's Credit Union Scorecard
TEL-U-WATT
Charter #146 · ND
<100M
2508 CUs in <100M nationally
17 in ND
TEL-U-WATT has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.39% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan-to-Member Ratio (LMR): Top 5.0% in tier
- + Average Member Relationship (AMR): Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.5% YoY
- - Net Interest Margin (NIM): Bottom 2.1% in tier
- - Total Members: Bottom 9.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
341
-5.5% YoY-1.2% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
7,403
+0.4% YoY
|
33,913
+5.7% YoY
|
Bottom 9.0% in tier |
| Assets |
$5.5M
-3.4% YoY+0.3% QoQ
|
$-24.7M |
$30.2M
+1.3% YoY
|
$208.9M
+6.8% YoY
|
$578.3M
+9.0% YoY
|
20% |
| Loans |
$4.0M
-7.8% YoY-4.7% QoQ
|
$-11.3M |
$15.3M
-2.0% YoY
|
$139.0M
+4.5% YoY
|
$402.4M
+8.7% YoY
|
29% |
| Deposits |
$5.0M
-4.4% YoY+0.2% QoQ
|
$-20.8M |
$25.8M
+0.7% YoY
|
$173.7M
+3.7% YoY
|
$494.3M
+9.1% YoY
|
23% |
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| ROA |
0.5%
-245.1% YoY-17.7% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.9%
+42.2% YoY
|
0.4%
-39.2% YoY
|
47% |
| NIM |
1.5%
+148.8% YoY-9.2% QoQ
|
-2.5% |
4.0%
+4.0% YoY
|
3.4%
+5.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 2.0% in tier |
| Efficiency Ratio |
61.8%
-59.1% YoY+4.4% QoQ
|
-28.9% |
90.6%
+6.5% YoY
|
74.3%
-6.4% YoY
|
84.6%
+2.8% YoY
|
Top 14.1% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
0.8%
-32.8% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
80.3%
-3.5% YoY-4.9% QoQ
|
+21.8% |
58.5%
-3.0% YoY
|
68.7%
-2.0% YoY
|
65.6%
-1.4% YoY
|
82% |
| AMR |
$26,204
-0.4% YoY-0.9% QoQ
|
+$11K |
$14,884
-1.7% YoY
|
$32,943
+1.9% YoY
|
$19,920
+1.6% YoY
|
Top 6.9% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 22.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.1% | 7.7% | 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: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
126
Loan-to-Member Ratio (LMR)
engagement
Value:
$11,670
Peer Median: $4,923
#126 of 2508
Top 5.0% in <100M tier
174
Average Member Relationship (AMR)
engagement
Value:
$26,204
Peer Median: $13,926
#174 of 2508
Top 6.9% in <100M tier
355
Efficiency Ratio
profitability
Value:
61.77%
Peer Median: 81.45%
#355 of 2508
Top 14.1% in <100M tier
451
Loan-to-Share Ratio
balance_sheet
Value:
80.29%
Peer Median: 58.72%
#451 of 2508
Top 17.9% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (10 metrics)
2457
Net Interest Margin (NIM)
profitability
Value:
1.47%
Peer Median: 3.83%
#2457 of 2508
Bottom 2.1% in <100M tier
2282
Total Members
engagement
Value:
341
Peer Median: 1,918
#2282 of 2508
Bottom 9.1% in <100M tier
2216
Members Per Employee (MPE)
engagement
Value:
170.500
Peer Median: 333.750
#2216 of 2508
Bottom 11.7% in <100M tier
2195
Net Worth Ratio
risk
Value:
9.34%
Peer Median: 14.28%
#2195 of 2508
Bottom 12.5% in <100M tier
2128
Member Growth Rate
growth
Value:
-5.54%
Peer Median: -1.37%
#2128 of 2508
Bottom 15.2% in <100M tier
2042
Fee Income Per Member
profitability
Value:
$8.91
Peer Median: $60.42
#2042 of 2508
Bottom 18.6% in <100M tier
1998
Total Assets
balance_sheet
Value:
$5.47M
Peer Median: $21.86M
#1998 of 2508
Bottom 20.4% in <100M tier
1989
Deposit Growth Rate
growth
Value:
-4.44%
Peer Median: 0.66%
#1989 of 2508
Bottom 20.7% in <100M tier
1980
Asset Growth Rate
growth
Value:
-3.36%
Peer Median: 1.30%
#1980 of 2508
Bottom 21.1% in <100M tier
1939
Total Deposits
balance_sheet
Value:
$4.96M
Peer Median: $18.77M
#1939 of 2508
Bottom 22.7% in <100M tier