Town and Country
Minot, ND · Charter 60790 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 10 branches
Q2 2026
$771.1MAssets
$678.4MLoans
$665.3MShares
$100.7MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 69% of credit unions under $1B in assets (rank 519 of 1682).
- Widest gap: nonperforming loans / loans trails 82% of credit unions under $1B in assets (rank 1374 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.93%
Rank 649 of 1,683
Net Interest Margin
3.91%
Rank 749 of 1,683
Efficiency Ratio
71.47%
Rank 519 of 1,682
Equity / Assets
13.06%
Rank 809 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.35% | 0.74% | 1.18% | Beats 61% | 649 / 1,683 | |
| Return on Equity | 7.12% | 2.67% | 5.89% | 8.74% | Beats 62% | 640 / 1,681 | |
| Net Interest Margin | 3.91% | 3.31% | 3.82% | 4.32% | Beats 55% | 749 / 1,683 | |
| Efficiency Ratio | 71.47% | 68.91% | 78.20% | 86.93% | Beats 69% | 519 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.63% | 0.26% | 0.65% | 1.29% | Beats 18% | 1,374 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.06% | 10.44% | 12.89% | 16.53% | Beats 52% | 809 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.06% | 10.44% | 12.89% | 16.53% | Beats 52% | 809 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 101.97% | 52.61% | 69.38% | 83.50% | 97th pctl | 46 / 1,683 | |
| Loans / Assets | 87.97% | 44.71% | 59.18% | 70.72% | 99th pctl | 16 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |