Town And Country Credit Union
Total assets
$781.6M
▲ +6.6% YoY
Shares & deposits
$679.6M
▲ +6.3% YoY
Loans
$638.7M
▲ +3.9% YoY
Members
26,494
▲ +0.7% YoY
ROA (annualized)
0.87%
peers 0.62%
ROE (annualized)
6.91%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +4.8% | +1.9 pts |
| Share growth (YoY) | +6.3% | +4.3% | +2.0 pts |
| Loan growth (YoY) | +3.9% | +4.3% | -0.4 pts |
| ROA | 0.87% | 0.62% | +0.3 pts |
| ROE | 6.9% | 5.9% | +1.0 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
Profile
- Established
- 1939
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 615 S Broadway, Minot, ND, 58701
- NCUA charter #
- 60790
- RSSD ID
- 235491
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $781.6M | $679.6M | $638.7M | $98.8M | $1.7M | 0.87% | 3.78% | 0.26% | 26,494 |
| Q4 2025 | $759.0M | $656.8M | $639.8M | $97.1M | $8.5M | 1.12% | 3.71% | 0.40% | 26,461 |
| Q3 2025 | $736.6M | $637.8M | $639.5M | $93.9M | $5.3M | 0.96% | 3.76% | 0.49% | 26,457 |
| Q2 2025 | $730.2M | $631.6M | $634.1M | $91.8M | $3.2M | 0.87% | 3.68% | 0.90% | 26,384 |
| Q1 2025 | $732.9M | $639.5M | $614.6M | $90.0M | $1.1M | 0.60% | 3.46% | 0.95% | 26,307 |
| Q4 2024 | $716.6M | $621.2M | $622.3M | $88.6M | $4.9M | 0.68% | 3.39% | 0.39% | 26,260 |
| Q3 2024 | $705.1M | $611.7M | $618.1M | $86.7M | $3.0M | 0.56% | 3.39% | 0.35% | 27,210 |
| Q2 2024 | $695.9M | $604.5M | $612.7M | $85.2M | $1.5M | 0.43% | 3.37% | 0.39% | 27,100 |
Loan mix (Q1 2026): real estate $89.9M · commercial $472.9M · consumer $55.1M · securities $10.5M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.62% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 5.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.48% | 73th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.7% | 78.3% | 38th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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