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
- PHOTO 82/100
- BOOK 8.3%
- CHARTER 0.30%
- NCUSIF 0.18%
- CAMELS $623.7M
- HEALTH 38,593
- NW #2,491/4,374
- DELQ CITY
- ROA 8486
Call Report peers
Town & Country in the assets neighbourhood
Town & Country's $623.7M assets sit next to CITY ($623.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Town & Country - Share Insurance Coverage
Charter #8486's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for ME only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Town & Country Call Report trajectory
Town & Country: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.6% from $623.7M (2025Q4) to $627.6M (2026Q1).
- Net-worth ratio shifted +0.03 pp (8.31% → 8.34%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for Town & Country - kept outside Maine; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($623.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Maine credit unions compare overall before assuming this one is typical. Maine state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Town & Country financially healthy?
Yes/no aside, the number is 82/100 (Excellent) - Town & Country's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,491 of 4,374; by total assets it ranks #667 of 4,374 nationally (same basis as /rankings/largest); and #5 of 48 within Maine. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.34% net worth ratio and 0.30% delinquency rate are the key drivers.
How does Town & Country compare to other credit unions?
Five weighted metrics from NCUA filings produce Town & Country's 82/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Town & Country are 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."
What rates does Town & Country offer compared to banks?
Credit unions like Town & Country are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Town & Country directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.