ZUnclassifiedEIN: 450278124

Town & Country Credit Union

Minot, North Dakota

B+Health Score
72B+

Financial Health Score

9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.

Good

How This Organization Compares

Compared to 111 peers in Unclassified with $10M-$100M revenue

Working Capital Ratio (net assets ÷ expenses)

This Org2.44×
Peer Median5.86×
💰
$38.5M
Total Revenue
📊
$34.4M
Total Expenses
🏦
$83.7M
Net Assets
📋
$600.6M
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
+30.5%
Year-over-year change (2022 → 2023)
Net Margin
+10.8%
Revenue minus expenses as % of revenue
Working Capital Ratio
2.44
Net assets divided by total expenses
Liabilities-to-Assets
87.8%
Total liabilities as % of total assets

Filing History

13 filings on record
YearRevenueExpensesAssets
2023$38,503,15530%$34,352,37437%$684,358,2857%
2022$29,514,8514%$25,000,0661%$637,609,134
2021$30,613,353$25,310,6115%$639,797,46013%
2020$30,720,92115%$26,686,67211%$565,613,42116%
2019$26,821,57312%$24,011,78717%$485,723,54210%
2018$23,908,1027%$20,559,8507%$441,051,7606%
2017$22,321,6236%$19,253,156$415,506,0476%
2016$23,791,7281%$19,183,4264%$391,565,4972%
2015$24,033,8198%$18,530,5457%$384,292,6435%
2014$22,259,7498%$17,315,04815%$367,304,8076%
2013$20,566,9012%$15,035,143$347,013,7296%
2012$20,253,18118%$14,995,80414%$328,533,90711%
2011$17,165,512$13,200,953$296,875,574

Frequently Asked Questions

What does Town & Country Credit Union do?

Town & Country Credit Union is a unclassified nonprofit organization based in North Dakota. It is classified under NTEE code Z and is registered as a 501(c) tax-exempt organization with the IRS.

Is Town & Country Credit Union financially healthy?

Based on our 9-metric Financial Health Score model, Town & Country Credit Union has a score of 72/100 (Grade: B+). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.

How much revenue does Town & Country Credit Union generate?

Town & Country Credit Union reports $45.8M in annual revenue and holds $717.9M in total assets, based on IRS filings.

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