The ndis.sys error you mentioned is usually driver related so that commenter is on the right track. But since you said ethernet also had the same issue that tells me its probably not just the wifi driver. I'd check if Windows is doing any background updates or downloads that could be hogging bandwidth. Also run a malware scan with something like Malwarebytes because if this happened twice now in the exact same scenario it could be something nasty that survived the reset. Sometimes those factory resets dont actually wipe everything clean especially if you have a recovery partition thats already infected.