TEL-U-WATT
Charter #146 | ND
<100M
(2596 CUs)
Micro
($0-$500M)
17 <100M in ND
TEL-U-WATT has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + 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 4.7% in tier
- + Average Member Relationship (AMR): Top 6.5% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.36% below tier average
- - Net Interest Margin (NIM): Bottom 1.2% in tier
- - Net Worth Ratio: Bottom 6.7% in tier
- - Total Members: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
352
-1.9% YoY-1.1% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
7,412
-0.5% YoY
|
33,089
+6.1% YoY
|
Bottom 9.6% in tier |
| Assets |
$5.7M
+5.7% YoY+0.9% QoQ
|
$-24.2M |
$29.9M
+1.1% YoY
|
$201.0M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 21.7% in tier |
| Loans |
$4.2M
-3.5% YoY-0.1% QoQ
|
$-11.6M |
$15.8M
-2.4% YoY
|
$137.9M
+2.5% YoY
|
$388.7M
+8.6% YoY
|
30th in tier |
| Deposits |
$5.2M
+5.9% YoY+0.8% QoQ
|
$-20.3M |
$25.5M
+0.4% YoY
|
$165.9M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 24.0% in tier |
| ROA |
0.3%
-53.3% YoY+84.1% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.9%
-6.7% YoY
|
0.7%
+273.4% YoY
|
29th in tier |
| NIM |
1.3%
+32.7% YoY+12.1% QoQ
|
-2.6% |
3.9%
+3.8% YoY
|
3.4%
+7.4% YoY
|
3.7%
+5.0% YoY
|
Bottom 1.1% in tier |
| Efficiency Ratio |
73.4%
+30.0% YoY-11.0% QoQ
|
-8.0% |
81.4%
-2.4% YoY
|
74.0%
-24.8% YoY
|
79.1%
-3.3% YoY
|
38th in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
0.9%
-3.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
81.0%
-8.9% YoY-0.9% QoQ
|
+19.8% |
61.2%
-3.0% YoY
|
72.0%
-4.4% YoY
|
68.0%
-1.7% YoY
|
Top 21.3% in tier |
| AMR |
$26,531
+3.5% YoY+1.5% QoQ
|
+$12K |
$14,627
-2.7% YoY
|
$32,427
+3.2% YoY
|
$19,418
+1.3% YoY
|
Top 6.5% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
22.4%
+2.4% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
1.1%
-2.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (10 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
124
Loan-to-Member Ratio (LMR)
engagement
Value:
$11,876
Peer Avg: $5,488
#124 of 2596
Top 4.7% in <100M tier
169
Average Member Relationship (AMR)
engagement
Value:
$26,531
Peer Avg: $14,627
#169 of 2596
Top 6.5% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
513
Deposit Growth Rate
growth
Value:
5.93%
Peer Avg: 16.80%
#513 of 2596
Top 19.7% in <100M tier
548
Loan-to-Share Ratio
balance_sheet
Value:
81.04%
Peer Avg: 61.23%
#548 of 2596
Top 21.1% in <100M tier
572
Asset Growth Rate
growth
Value:
5.67%
Peer Avg: 1.82%
#572 of 2596
Top 22.0% in <100M tier
Top Weaknesses (7 metrics)
2567
Net Interest Margin (NIM)
profitability
Value:
1.29%
Peer Avg: 3.93%
#2567 of 2596
Bottom 1.2% in <100M tier
2422
Net Worth Ratio
risk
Value:
8.50%
Peer Avg: 16.43%
#2422 of 2596
Bottom 6.7% in <100M tier
2346
Total Members
engagement
Value:
352
Peer Avg: 2,626
#2346 of 2596
Bottom 9.7% in <100M tier
2277
Members Per Employee (MPE)
engagement
Value:
176.000
Peer Avg: 365.701
#2277 of 2596
Bottom 12.3% in <100M tier
2032
Total Assets
balance_sheet
Value:
$5.65M
Peer Avg: $29.86M
#2032 of 2596
Bottom 21.8% in <100M tier
2008
Fee Income Per Member
profitability
Value:
$14.54
Peer Avg: $182.96
#2008 of 2596
Bottom 22.7% in <100M tier
1972
Total Deposits
balance_sheet
Value:
$5.16M
Peer Avg: $25.45M
#1972 of 2596
Bottom 24.1% in <100M tier