P. O. Box 3070
Minot, ND 58702


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 146
Date Established 1935
Assets $4.99 million
Loans $2.94 million
Deposits $4.53 million
Capital $0.46 million

Tel-u-watt is an NCUA insured institution located in Minot, ND. It was founded in 1935 and has approximately $4.99 millions in assets.

Deposit Rates - January 20, 2019

Your Current Location: Washington, WA 98101

We do not yet have rates for Tel-u-watt

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Loan Rates - January 20, 2019

Your Current Location: Washington, WA 98101

There are currently no loan rates available for TEL-U-WATT

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Vantage Mortgage Group, Inc.
NMLS ID: 35986
License#: 35986
4.532% 4.500% 0.00 $993 $1,267 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: CL-2925. NMLSID#2925
4.276% 4.250% 0.25 $775 $1,230 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender Rate (%) Monthly Payment Learn More

Note to TEL-U-WATT
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Below are Tel-u-watt branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Tel-u-watt Locations

Financial Details

Tel-u-watt Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Tel-u-watt. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Tel-u-watt U.S. Average
2.59% 5.78

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2018, Tel-u-watt had $12,271 in non-current loans and $0 in owned assets. To cover these potential losses it had $456,426 in net worth and $17,018 in loans loss reserves. That gives it a Texas Ratio of 2.59%.

Net Worth
Tel-u-watt U.S. Average
9.14% 13.21%

Tel-u-watt FCU has a net worth of 9.14% versus the BestCashCow average of 13.21. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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