Sep, 30, 2025 — TOWN AND COUNTRY CREDIT UNION is a federally insured state chartered credit union headquartered in MINOT, ND with 10 branch locations and about $736.60 million in total assets. Opened 87 years ago in 1939, TOWN AND COUNTRY CREDIT UNION has about 26,457 members and employs 152 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | TOWN AND COUNTRY CREDIT UNION |
|---|---|
| Address: (Main Office) | 615 S Broadway MINOT, ND 58701-4473 |
| Phone: | (701) 852-2018 |
| Fax: | (701) 839-5740 |
| Website: | https://www.townandcountry.org |
| Branches: | 10 branch locations |
| Members: | 26,457 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 60790 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1939 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $736,604,333 |
| CEO/Manager: | Kalli Schell |
| Chairperson: | Kalvin Larson |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 63,570,125 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 3,323,696 |
| Real Estate Loans | 394,367,561 |
| Unsecured Loans | 11,756,152 |
| Other Loans | 233,388,411 |
| TOTAL LOANS | 639,512,124 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -3,825,033 |
| Land And Building | 11,540,333 |
| Other Fixed Assets | 1,979,397 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 5,405,770 |
| All Other Assets | 0 |
| TOTAL ASSETS | 736,604,333 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 4,881,748 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 168,657,238 |
| Regular shares | 86,373,985 |
| All Other Shares & Deposits | 382,766,495 |
| TOTAL SHARES & DEPOSITS | 637,797,718 |
| TOTAL LIABILITIES | 642,679,466 |
| Regular Reserve | 0 |
| Other Reserves | 25,000,232 |
| Undivided Earnings | 68,924,635 |
| TOTAL EQUITY | 93,924,867 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 736,604,333 |
| INCOME & EXPENSE | |
| Loan Income | 27,487,083 |
| Investment Income | 1,922,124 |
| Other Income | 1,583,903 |
| Total Employee Compensation & Benefits | 12,849,616 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 8,211,540 |
| Non-operating Income & (Expense) | 443,194 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 825,000 |
| Cost of Funds | 8,658,266 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 5,329,636 |
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