credit union

Tel-U-Watt

Minot, ND · Est. 1935
B
Trust Grade
Strong
Score: 85/100

Tel-U-Watt is a credit union based in Minot, North Dakota, established in 1935, with $5 million in total assets serving 341 members. By Trust Grade it ranks 27th of 29 credit unions we track in North Dakota. Its net worth ratio of 9.3% trails most similarly sized credit unions (12th percentile), versus a North Dakota median of 13.4%. It was profitable over the most recent period, with a 0.54% return on assets. No consumer complaints against Tel-U-Watt appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$5.5M
<$100M institution
Members
341
Shares & deposits
—
Net worth ratio
9.3%
Bottom 12% of <$100M peers · North Dakota median 13.4%
Return on assets
0.5%
Bottom 47% of <$100M peers · North Dakota median 0.87%
Rank in North Dakota
#27
of 29 credit unions

How Tel-U-Watt compares to North Dakota peers

Net worth ratio
Bottom 12% of <$100M peers
Tel-U-Watt
9.3%
North Dakota median
13.4%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 47% of <$100M peers
Tel-U-Watt
0.5%
North Dakota median
0.9%
Higher ROA = more profitable relative to asset base

How we graded Tel-U-Watt

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
85/100
Customer experience
n/a
Overall
B · 85
  • Well-capitalized (9.3% capital ratio)
  • Profitable (ROA 0.54%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Tel-U-Watt over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Tel-U-Watt insured?

Yes. Tel-U-Watt is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Tel-U-Watt: frequently asked questions

Is Tel-U-Watt a good credit union?

Tel-U-Watt earns a Bankzia Trust Grade of B (85/100, "Strong"), based on a financial-strength score of 85/100 (it has no CFPB complaints on record). Well-capitalized (9.3% capital ratio); Profitable (ROA 0.54%).

Is Tel-U-Watt NCUA-insured?

Yes. Tel-U-Watt is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Tel-U-Watt?

Tel-U-Watt holds $5 million in total assets, ranking 27th of 29 credit unions we track in North Dakota. It serves 341 members.

Does Tel-U-Watt have CFPB complaints?

No CFPB complaints against Tel-U-Watt appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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