Federal credit union · SOUTH PORTLAND, Maine · NCUA charter #8486
Town & Country
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $623.7M
- Total assets
- 38,593
- Members
- 8.3%
- Net-worth ratio
Town & Country scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $623.7M; members 38,593; net-worth ratio 8.34%; health rank #2,491 of 4,374; healthier than 43rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,491 of 4,374 health · 2025Q4Town & Country · health 82/100 · $623.7M · 2025Q4
Call Report peers
Town & Country in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Town & Country vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Town & Country sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Town & Country
- Largest favorable gap: Loan-to-Share Ratio at 93.52% vs peer 83.90% (+9.62 pp).
- Largest lag: Net Worth Ratio at 8.34% vs peer 11.18% (-2.84 pp).
Maine standing for Town & Country
- In Maine, health place is #39 of 48 on the same NCUA-ratio sort used nationally.
- Maine assets place: #5 of 48.
- Membership ranks #3 of 48 among Maine CUs with a reported count (38,593 members).
- One place up in Maine, Cumberland County (#38) scores 83/100, 1 point higher; one place down, Maine Highlands (#40) scores 81/100, 1 point lower.
Town & Country Call Report trajectory
Town & Country: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $623.7M (2025Q4) to $627.6M (2026Q1).
- Net-worth ratio shifted +0.03 pp (8.31% → 8.34%).
8.34% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
Town & Country gives up 18 points in total. Member Growth costs the most, 8 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 25.8 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.3 pts
- Member Growth 7.0 pts
- Loan-to-Share Ratio 13.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.34% | -2.84 pp |
| Delinquency Rate | 0.30% | -0.57 pp |
| Return on Assets | 0.18% | -0.32 pp |
| Member Growth | -1.09% | - |
| Loan-to-Share Ratio | 93.52% | +9.62 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Town & Country quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $627.6M | - |
| 2025Q4 | $623.7M | 38,593 |
| 2024Q4 | $603.1M | 39,019 |
| 2023Q4 | $577.1M | 39,527 |
Credit Union Details
- Charter Number
- 8486
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Maine
- City
- SOUTH PORTLAND
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for Town & Country, spread across 4 cities.
| Office | City |
|---|---|
| Scarborough Operations Center (Main Office) | Scarborough, ME |
| Northgate Branch | Portland, ME |
| Forest Avenue Branch | Portland, ME |
| Saco Branch | Saco, ME |
| Scarborough Branch | Scarborough, ME |
| Main Street Branch | South Portland, ME |
| Millcreek Branch | South Portland, ME |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maine
More federally-insured credit unions based in Maine, ordered by peer group match and asset size.
Town & Country nationwide neighbourhoods
Using this data
- Town & Country ranks #2,491 of 4,374 nationally on financial health and #39 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EVERGREEN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EVERGREEN
Frequently Asked Questions
Is Town & Country financially healthy?
On its 2025Q4 NCUA 5300 filing, Town & Country scores 82/100 (Excellent), with a 8.34% net worth ratio and 0.30% of loans delinquent. It ranks #2,491 of 4,374 nationally on health and #39 of 48 in Maine.
How does Town & Country compare to other credit unions?
Town & Country scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (93.52% vs 83.90%). Its widest shortfall is net worth ratio (8.34% vs 11.18%).
How can I join Town & Country?
Town & Country operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Town & Country directly for the exact boundaries and application steps.
Is my money safe at Town & Country?
Town & Country is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Town & Country's net worth ratio of 8.34% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.