TEL-U-WATT
Charter #146 · MINOT, ND · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 341 sits at the 3rd percentile of structural peers — worth a closer look.
- Net worth ratio of 9.34% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 1.48% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 2.41% sits at the 93rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | TEL-U-WATT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.47M | 65th pct | 46th pct |
| Members | 341 | 29th pct | 3th pct |
| Net worth ratio | 9.34% | 11th pct | 13th pct |
| Return on average assets | 0.54% | 55th pct | 67th pct |
| Net interest margin | 1.48% | 4th pct | 2th pct |
| Cost of funds | 2.41% | 93th pct | 93th pct |
| Loan-to-share | 80.29% | 78th pct | 74th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 30th pct |
| Loan growth YoY | -4.81% | 52th pct | 31th pct |
| Share growth YoY | -3.92% | 22th pct | 13th pct |
| Efficiency ratio | 61.77% | 17th pct | 11th pct |
structural peer set hash: 43402321ad9c59b37aa996f6ac54e6ff… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.