Credit union · NCUA insured
Tel-U-Watt Federal Credit Union
A $5.5M credit union headquartered in Minot, ND, with 341 members and 1 branch in North Dakota. Best rates: savings 3.25% APY.
Tel-U-Watt Federal Credit Union Carrot Score
86
Carrot Score
Higher than 75% of U.S. banks and credit unions
#5 of 11 in Minot, ND metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Tel-U-Watt Federal Credit Union
- Headquarters
- 24 2nd Ave SE, Minot, ND 58701
- NCUA charter
- 146
Branches
1 branch in North Dakota
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North Dakota
1 branch
- Main OfficeMain office24 2nd Ave SE, Minot, ND 58701Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.12% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.69% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $70 | $59 | — |
- CapitalNet worth ratio9.12%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.69%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$70Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Tel-U-Watt Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.