# TOWN AND COUNTRY
MINOT, ND · NCUA charter 60790 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/town-and-country-60790

Who the members are: state charter, organized 1939. 26,494 members of 300,000 potential (8.8% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $781.6M |
| Members | 26,494 (0.7% YoY) |
| Full-time staff | 145 |
| Net worth | $98.8M |
| Net worth ratio | 12.6% (p79 of band) |
| ROA (annualized) | 0.87% (p64 of band) |
| Total delinquency | 0.26% (p18 of band) |
| Net charge-offs (annualized) | 0.02% (p1 of band) |
| Loans / shares | 94% (p89 of band) |
| Cash / assets | 12.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.78% (p74 of band) |
| Operating expense / assets | 3.60% (p52 of band) |
| Vehicles % of loans | 7% (p5 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p7 of band) |
| Vehicle delinquency | 0.81% (p66 of band) |
| Vehicle NCO | 0.14% (p7 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 14% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 479% |
| Core shares % of member funds | 42% |
| Certificates % of member funds | 34% |
| Average share balance | $11,400 |
| Participations bought / yr | $0 |
| Participations sold / yr | $22.8M |
| Participations outstanding | $11.1M |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $48,299 |
| Loans granted, annualized | $357.1M |

## Participation posture (from the same filings)

Bought $0 and sold $22.8M in the latest annualized quarter; $11.1M outstanding purchased (11.2% of net worth), $10.5M sold and retained. Sold in 8 and bought in 0 of the last 8 quarters. Shares 6.3% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, loans>95% of shares |  |
| 2016-06 | 1 |  | delinquency 2x band |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | expense trap |  |
| 2017-03 | 0 |  | loans>95% of shares, expense trap |
| 2017-06 | 1 | loans>95% of shares |  |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 1 |  | loans>95% of shares |
| 2018-03 | 0 |  | delinquency rising |
| 2018-06 | 1 | loans>95% of shares |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 3 | delinquency 2x band |  |
| 2019-09 | 2 | delinquency rising | net worth falling, delinquency 2x band |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | net worth falling | loans>95% of shares |
| 2020-06 | 2 | delinquency 2x band | delinquency rising |
| 2020-09 | 1 | margin squeeze | net worth falling, delinquency 2x band |
| 2020-12 | 2 | expense trap |  |
| 2021-03 | 2 | net worth falling | expense trap |
| 2021-06 | 1 | delinquency 2x band | margin squeeze, net worth falling |
| 2021-09 | 0 |  | delinquency 2x band |
| 2021-12 | 1 | net worth falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | net worth falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | delinquency rising, loans>95% of shares |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | expense trap |  |
| 2024-03 | 2 |  | expense trap |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 3 | expense trap, members leaving |  |
| 2025-03 | 2 | delinquency rising | expense trap, members leaving |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | loans>95% of shares |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-11 [Success Story: Main Street Books - University of North Dakota (UND)](https://news.google.com/rss/articles/CBMiigFBVV95cUxPUkpwdGZ0d25DQ1d1ZlVMa0x2TXI2dFpoQWMySlAxQ29FTVAxejJmU3huUnllSEZVQkM0N2p6dVV6ZEJMZ1czdWtWUXhMMDZKYkZYU0Zjc1Q0eEVTalNmTkdreHVxUVVTZ25QWnZTUE8wLXBrQU9HMVp6d1FDWEs3OGk0U19PWHdmSlE?oc=5) · University of North Dakota (UND)
- 2020-09-30 [North Dakota credit union leader named to national council - KFYR-TV](https://news.google.com/rss/articles/CBMimAFBVV95cUxPdHpnclZlYzhqTTVKeGd5N1BKb01qLU1STURSWUhzdGZCVjgwd3pHdFVBUThYRmJQZFcybkZzaG5KajFPTnJmWHcwUkRKQmJ5T1RoY1U5aU1iQy1zd1VnV1BZMGxoY2x2WHRucjhUaFp5M3hZRk0yTng1YUNwdnpyd2xTaHZ0c2Fid0otTzdzOWtOcHJoRlFkMtIBrAFBVV95cUxObHpYVHVuNm13Z1ZHck5qdkVmVllxcFlhMWtQLUtLSWVLOFg0eHJna0ZFNmtGRjh0RU9abUhyVGhFRnZueklyRE5zeTduY1BSSHNDSUdhVEh1ZENSekZfMlVDa1YydlJTT25uZmJKRWJ1ckI5MEJ6V0dvRjgxZmlia2RHSl85RHpadUJKTDFhOWdHXzRIV1pnRF92bi1ZTWVjd0NrY2V1Z1gxZERX?oc=5) · KFYR-TV
- 2023-08-01 [Trinity Health partners with Town and Country Credit Union - KX News](https://news.google.com/rss/articles/CBMingFBVV95cUxPWm1nQ1UtbGY2aFI2MEQ3R0VBYm1ldllZbElNVDhpUUNLeXBsaHJBWUE1dG9COG55U0JuLWl0cW92WDJkR1NIdnNacUw3dExSQWVwb3U4dVBFNXpwd083cW9HTWdJY2FRb201T0w5bDZvbFViRkU3ZDdza3gyX25xWUp3N0gyVUFhV0Y5ZVFONFVxU2lRM3pDaEkyQi1OQdIBowFBVV95cUxPS0FuSGszOG1uY1FpMjF1alBSVEV5ZmZlbG9YZi0tVWpUbWprTmtlRFhKU3NXazRIRnFVaW9JUmN5Y3Bnc3hramFJVVRFRTNkZVFnMHFKUk5CZ0lKVUtRTTFXQUIwZkdSa29XUWwzdnN4cUJid1FQMW92Vi1rVDYzeTZ6ekZUVWE1VVFUNk11dERaMG5sa2FLNEdZeExHVjhEak5R?oc=5) · KX News
- 2025-11-19 [Lauren Larson Obituary Nov 19, 2025 - Thomas Family Funeral Home](https://news.google.com/rss/articles/CBMickFVX3lxTFB2NXBRQUZ4Q0RSc3VPWXpJUDJBSDNsOFFUMU00MUdFd2ZwOWFPcnl4VGoyR0MtQXZRRlBTLVd3ZUFHWFF1RFpXcTRqTzRpeVlWQ3Z3VGxqVkVMTS1SV0dEV3l2dTFacXdjVWZYcEFnQ0Zjdw?oc=5) · Thomas Family Funeral Home
- 2022-08-31 [Obituary information for Elizabeth Allen Sigloh - Thompson-Larson Funeral Home](https://news.google.com/rss/articles/CBMihAFBVV95cUxNNnhMdUZPUFZ1SzFOZnlpbnJTTndjdjRBV05zSnhSZU9JZ3YyY0gzc29XZ20yRUtWYkxfT25idnVMUEZxOUktU0xrUFh2Y0ZFZjdfSlF6Mm8wT0tGUUNYeko2UkI2cGRmcU8tanBpeV81am1WQklkUUpZTjBRcDd1Yy1BSmQ?oc=5) · Thompson-Larson Funeral Home
- 2017-10-09 [Zeeland’s Hope Ebel Crowned Miss Rodeo North Dakota 2018 - Tri-State Livestock News](https://news.google.com/rss/articles/CBMikwFBVV95cUxQTFhFOHRjaGdlTThjTDhwakxNbzdoN0pjMWx3UWFQWVFQcU5aN3hQTGpxUGhwVERSWjVrWmttWDdLdF9UbWc0S0tMMmVJZXJOX1MzY1AzT2p2OGRKRDBSbHNyMy1KRVBSek9RSS1VOExZMzg3b094S01heEk0bmkzNm00WFFIRWVVT3dqd2dPVnM0YTQ?oc=5) · Tri-State Livestock News
- 2014-02-13 [James R. Cronin Obituary Feb 13, 2014 - Amundson Funeral and Cremation Service](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBvZlZwd2hrdXpEYWtKanFvLXR6SGhzd05IcTV2eTFoQnA2YmRFZTdYNXJNaWdDX0lHajVnemwyVkJVbFpTeUVWLTJUUVhzVklJS0Z5YWcxLUp6bVFlVVZ4S1NLclo?oc=5) · Amundson Funeral and Cremation Service
- 2019-03-24 [Orlin Dale Pankratz Obituary Mar 24, 2019 - Thomas Family Funeral Home](https://news.google.com/rss/articles/CBMic0FVX3lxTE5aVG9WNmE0ZU82a3dzOFM2b201cDZKN2l3a2ZXX1hseFQ4Tm4tLUktWGQxVVMzZ2hkeHJsTnFiTU5qR2hZeXQ2UHNJaU5DM3h4STltNjdmd1lJQnRDTFhKc3RXVTdmNVNJUVd3dnBrNWprbDA?oc=5) · Thomas Family Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60790 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/54.json (key "60790", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=60790
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide