Town and Country

MINOT, ND · 2 · Charter #60790 · www.townandcountry.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$759.0M
84th percentile
Members
26,461
46th percentile
Total loans
$639.8M
92th percentile
Total shares
$656.8M
85th percentile

Profitability

Return on assets
1.25%
69th percentile
Net interest margin
3.71%
68th percentile
Efficiency ratio
60.91%
41th percentile
Non-interest income ratio
26.25%
84th percentile

Capital & Risk

Net worth ratio
12.79%
75th percentile
Delinquency rate
0.40%
80th percentile
Net charge-off rate
0.13%
85th percentile
Loan-to-share
97.42%
89th percentile

Growth

Member growth YoY
0.77%
53th percentile
Asset growth YoY
5.92%
57th percentile
Loan growth YoY
2.81%
43th percentile
Share growth YoY
5.73%
60th percentile

Operations

Members / branch
2,406
8th percentile
Assets / member
$28,685
95th percentile
Field of membership penetration
8.82%
70th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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