# TOWN & COUNTRY
SOUTH PORTLAND, ME · NCUA charter 8486 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/town-and-country-8486

Who the members are: federal charter, community charter, organized 1953. 38,593 members of 515,063 potential (7.5% of the field); checking penetration 83% (share draft accounts per 100 members); loans per 100 members 68.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $627.6M |
| Members | 38,593 (-1.0% YoY) |
| Full-time staff | 126 |
| Net worth | $52.3M |
| Net worth ratio | 8.3% (p11 of band) |
| ROA (annualized) | 0.30% (p22 of band) |
| Total delinquency | 0.18% (p10 of band) |
| Net charge-offs (annualized) | 0.18% (p18 of band) |
| Loans / shares | 91% (p82 of band) |
| Cash / assets | 3.8% |
| Borrowings / assets | 8.76% |
| Net interest margin | 3.60% (p62 of band) |
| Operating expense / assets | 4.31% (p82 of band) |
| Vehicles % of loans | 23% (p37 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 54% |
| Third-party paper % of net worth | 114% (p54 of band) |
| Vehicle delinquency | 0.46% (p39 of band) |
| Vehicle NCO | 0.42% (p25 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 68% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 19% |
| Average share balance | $4,935 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 68% |
| Loans granted per 100 members, annualized | 98% |
| Average loan balance | $18,249 |
| Loans granted, annualized | $170.4M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, expense trap, loans>95% of shares, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 6 | net worth falling |  |
| 2016-12 | 4 |  | expense trap, net worth falling |
| 2017-03 | 5 | expense trap |  |
| 2017-06 | 5 |  |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 5 | net worth falling | expense trap |
| 2018-03 | 5 | expense trap | net worth falling |
| 2018-06 | 5 |  |  |
| 2018-09 | 5 | net worth falling | expense trap |
| 2018-12 | 4 |  | net worth falling |
| 2019-03 | 5 | expense trap |  |
| 2019-06 | 4 |  | leaning on borrowings |
| 2019-09 | 4 | leaning on borrowings | expense trap |
| 2019-12 | 4 |  |  |
| 2020-03 | 3 |  | leaning on borrowings |
| 2020-06 | 2 |  | loans>95% of shares |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | net worth falling |  |
| 2022-03 | 2 |  | net worth falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | leaning on borrowings |  |
| 2023-06 | 2 |  | leaning on borrowings |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | leaning on borrowings |  |
| 2024-03 | 4 | net worth falling, losing money | leaning on borrowings |
| 2024-06 | 3 | leaning on borrowings | net worth falling, losing money |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | losing money |  |
| 2025-06 | 4 | net worth falling | losing money |
| 2025-09 | 3 |  | net worth falling |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |

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

- 2026-09-01 [Town & Country Federal Credit Union donates $4K to help students and families prep for back-to-school - newscentermaine.com](https://news.google.com/rss/articles/CBMinAJBVV95cUxNT3RKdTQ5Ml9yNGtuY0huWXRUak9TM3FsNkRFQVZLWnZzb0FPNlVuc2p2M3pXVDNUdFh0dkJxZHdqQ0VQU0JReHc3WE9SQVBFOFFkbjlIS3otN2ZqZk9aTXlBUUdHa0FEYWFvVEZfMFVFRnNXMlFzZjJKbVJOc05GNllDbGgxaV83NWdTUk9kZklNNmpRN2NfaW1rOFVYM054aDBFTWhBOHNoSmoyZjZuVmtlOWxQR2NCbF9yZ0pWYWVZcmlWZTl3R2hvd2VWMjFlTWlxV2dBTklwY0I2YTg3dmhKLW5OZUhKOVlvWDRaVjJ0V1VaekZQNnY2SG9hSUpiVGhULUxvUXJlWHRxZk5sTUNOTDJPc0Rqa2ExVw?oc=5) · newscentermaine.com
- 2026-07-22 [Town & Country Credit Union to demolish Minot headquarters, shift members to new locations - KX News](https://news.google.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?oc=5) · KX News
- 2025-12-01 [Robot takes center stage at credit union’s new tech hub - mainebiz.biz](https://news.google.com/rss/articles/CBMijAFBVV95cUxQV1hNSlY4ZnlabkZ6X3NFb25CcXF6ek52bVMwU0NGUmFCczQ1dTFpa0FkUVlyaDU3NlRDblY1TG1rZW41MUNzR3NMOE5xdUZTUERTOVpmNXZNZEZkUU9wVHhhMW1ld1FFMjhlYjZaeEZUYTMtMU56WjN2OUlJdlo0bno4YTZpWndTU1dNTQ?oc=5) · mainebiz.biz
- 2025-12-17 [Maine - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPOFZxMXZybnh2V01ISTNpaFFJU0R4M1o4RllmMHlkRTZmLTJNanlRTWZBa210Rk5Ld25sMzNOWGcyUHViTEFTSVhoeUx0SnpMSENMNld4TkExVUlndW1mai1VbzcxNzhnblZjZFJXTlJyQzBacldMNElia2R1ZlpDZ2lvYVZfdlFIWW1z?oc=5) · Newsweek Rankings
- 2026-05-22 [Maine banks warn sophisticated banking scam targeting locals - newscentermaine.com](https://news.google.com/rss/articles/CBMikwJBVV95cUxOenFreW1HUzZTZ2NsSU5aYllZNnFyeE9KZ1luQ1JNRk0wbmdsUkpNV2h5bkQyNjJ1UXQ1RXBxLTNJd1cwVHl2cFZJYVh2WDNqTDg4U0Q0azdkNTNUQ2xsRGtvbldDb3RjMHJPekZ3REtBQ1lYaTlqUE0yUmZzckg3aG9pbUo4VXlGWUNnb0FRSE5aWVA2NDVCcmtaZ3VXUkd5VC04bVNaRlhYazZiYzdlbzhxUEtUaVJJX09JQmFJbkdVazZ6MXlKYlJrNVlEUjBuZHNfZFJ5SlA1WnpRWHVYQkpJY05xTlNiMnVLRmtxVFF5ZWVpUUwtdi13NmJTamUwYUhIQUFqZE9QYWY4YVZxQl84QQ?oc=5) · newscentermaine.com
- 2026-07-22 [Town & Country Credit Union to demolish Minot headquarters, shift members to new locations - KX News](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOb1RSM0g0Sjg1U2t4TXJLLUhSclZGcW9pV0xRd3p1d3dHQ1R5c29hd0JQS2VickVhV21EV19sTEwxNUxBUG5BSVZNeUlUNjlET3pEam9YYVh1c1QyYTRLbEN5UDNZN0JUaXg2OUNheUZJdEh3enpUMmpsVkdCS3VYbGlEVFdQMF80QkJ3YlFVUEhka2lzNFhzY3pnY0ZoMFR2eUhBanFQLW1CYl9XcWpBNWlGVTg1YW1WaDRNT3Z0Wmo4RGc?oc=5) · KX News
- 2026-04-16 [Portland Public Schools foundation gets donation for its food fund - mainebiz.biz](https://news.google.com/rss/articles/CBMinAFBVV95cUxOYnZpWV9sai1na05fZFBTNGNpMU91S0tLbGs5d3hGMHczazVzTVA5UU84RzlFRzZwVGJGRDFpcDE4RGpQX2VYY0k4TXdHTm1vZU5mdnI2QnBMdXlkMnhlSFY5WFlJRFJUcmVPZkt6M3ZaNzNOXzlrYTVTeWx4QmhSaVlOdThZdC1CeFJWMFY2YWZObzduZVcwWTQ4cHg?oc=5) · mainebiz.biz
- 2023-03-30 [Town & Country Federal Credit Union expands leadership with hire, promotion - Portland Press Herald - Maine Sunday Telegram](https://news.google.com/rss/articles/CBMisgFBVV95cUxNaDhGSVpZSlZ4NzlTeUZETTZZRkloQk5VMDNXZnM0ejU2eVR2dnptZ0g4c1dzdHZ4RmFoOWdfd091RFNyZnFSUjdZR1kzakg3ZVFadVE0b3dXV2h2ODZocWQ1REw1Vmc0TTh1emR1M2tIMjI5dkowOGpSSG5kRFExaW9WblRkU0ttaGFTNWxKYW9PYUY4Q2hBNl9PMG5LSGM5bGJTZUlSSk9VU1ZnUnZiTFdR?oc=5) · Portland Press Herald - Maine Sunday Telegram

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8486 (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/38.json (key "8486", 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=8486
- 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