State credit union · MINOT, North Dakota · NCUA charter #60790
Town and Country
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $759.0M
- Total assets
- 26,461
- Members
- 12.6%
- Net-worth ratio
Town and Country scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $759.0M; members 26,461; net-worth ratio 12.64%; health rank #774 of 4,374; healthier than 80th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#774 of 4,374 health · 2025Q4Town and Country · health 92/100 · $759.0M · 2025Q4
- PHOTO 92/100
- BOOK 12.6%
- CHARTER 0.40%
- NCUSIF 0.64%
- CAMELS $759.0M
- HEALTH 26,461
- NW #774/4,374
- DELQ Polish National
- ROA 60790
Call Report peers
Town and Country in the assets neighbourhood
Town and Country's $759.0M assets sit next to Polish National ($759.2M) 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 and 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
92 Top 20% higher than 80% 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 and Country - Share Insurance Coverage
Charter #60790'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.
Town and Country vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +13.52 pp (97.42% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
North Dakota standing for Town and Country
- Health composite ranks #3 of 29 among scored North Dakota credit unions.
- Assets rank #3 of 29 inside North Dakota ($759.0M reported).
- North Dakota membership ordinal: #3 of 29.
In-state ordinals use the live credit_unions table for ND only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Town and Country
Town and Country: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $759.0M (2025Q4) to $781.6M (2026Q1).
- Net-worth ratio shifted -0.15 pp (12.79% → 12.64%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.64%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.9 pts
- Loan-to-Share Ratio 12.1 pts
Town and Country vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.64% | +1.46 pp |
| Delinquency Rate | 0.40% | -0.47 pp |
| Return on Assets | 0.64% | +0.13 pp |
| Member Growth | 0.77% | - |
| Loan-to-Share Ratio | 97.42% | +13.52 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 and Country quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $781.6M | - |
| 2025Q4 | $759.0M | 26,461 |
| 2024Q4 | $716.6M | 26,260 |
| 2023Q4 | $683.1M | 27,664 |
Credit Union Details
- Charter Number
- 60790
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- North Dakota
- City
- MINOT
- Data Quarter
- 2025Q4
Branch Locations (10)
The NCUA branch filing lists 10 physical offices for Town and Country, spread across 5 cities.
| Office | City |
|---|---|
| Minot Office (Main Office) | Minot, ND |
| Fargo 25th Street | Fargo, ND |
| Sanford | Fargo, ND |
| Fargo 52nd Steet | Fargo, ND |
| Kenmare | Kenmare, ND |
| Cenex South | Minot, ND |
| Dakota Square | Minot, ND |
| Trinity | Minot, ND |
| Stanley | Stanley, ND |
| West Fargo | West Fargo, ND |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Dakota
More federally-insured credit unions based in North Dakota, ordered by peer group match and asset size.
Cross-state Call Report peers for Town and Country
Cross-state asset and health neighbours for Town and Country - kept outside North Dakota; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($759.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Town and Country ranks #774 of 4,374 nationally on financial health and #3 of 29 in ND -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CAPITAL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CAPITAL
- Rates and health both vary by institution, not just by state -- see how North Dakota credit unions compare overall before assuming this one is typical. North Dakota 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 and Country financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Town and Country carries a financial health score of 92/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #774 of 4,374; by total assets it ranks #577 of 4,374 nationally (same basis as /rankings/largest); and #3 of 29 within North Dakota. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.64% net worth ratio and a 0.40% delinquency rate.
How does Town and Country compare to other credit unions?
PlainCU's health composite puts Town and Country at 92/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 and Country?
Membership eligibility for Town and Country depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Town and Country directly for current membership requirements and application steps.
Is my money safe at Town and Country?
Federal credit unions like Town and 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 and Country's net worth ratio of 12.64% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Town and Country offer compared to banks?
Credit unions like Town and 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 and 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.