PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Tel-U-Watt

Minot, ND · Charter 146

NCUA · 1 branch

Q2 2026

$5.6MAssets
$3.6MLoans
$5.1MShares
$510KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.68%, up 51 bps year over year; NIM at 1.29%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 9.12%, up 70 bps from a year ago.
  • Funding: loans stand at 70.18% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.68%+51 bps YoY

Net Interest Margin (YTD, annualized)

1.29%+14 bps YoY

Efficiency Ratio (YTD, annualized)

45.54%-3,691 bps YoY

Net Worth / Assets

9.12%+70 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.18%0.32%0.67%0.54%0.68%+51 bps
Return on Equity2.11%3.81%7.24%5.78%7.50%+539 bps
Net Interest Margin1.16%1.29%1.65%1.47%1.29%+14 bps
Efficiency Ratio82.46%73.35%59.19%61.77%45.54%-3,691 bps
Growth
Asset Growth (YoY)6.63%5.67%-2.35%-3.36%-0.13%-676 bps
Loan Growth (YoY)-2.44%-3.48%-2.21%-7.78%-14.86%-1,241 bps
Share Growth (YoY)7.17%5.93%-3.15%-4.44%-0.82%-799 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.15%1.17%1.19%1.26%1.42%+27 bps
Capital
Risk-Based Capital8.42%8.50%9.24%9.34%9.12%+70 bps
Net Worth / Assets8.42%8.50%9.24%9.34%9.12%+70 bps
Liquidity & Funding
Loans / Shares81.76%81.04%84.45%80.29%70.18%-1,158 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps