TOWN AND COUNTRY
State-Chartered • MINOT, North Dakota • Est. 1939
Quick Facts
- Charter Number
- #60790
- Type
- State-Chartered
- Established
- 1939
- Headquarters
- MINOT, North Dakota 58701-4473
- Address
- 615 S BROADWAY
- Branches
- 10
- ATMs
- 7
- Members
- 26,461
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
26,461 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | TOWN AND COUNTRY |
|---|---|
| Total Assets | $759.0M |
| Members | 26,461 |
| Loans Outstanding | $639.8M |
| Shares & Deposits | $656.8M |
| Net Worth | $97.1M |
| Net Worth Ratio | 12.79% |
| Loan-to-Share Ratio | 97.4% |
| Delinquency Rate | 0.40% |
| Net Income | +$9,488,668 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
10 locations · 7 ATMs
Minot Office
Main Office615 S Broadway
Minot, ND 58701-4473
Kenmare
108 N Central Ave
Kenmare, ND 58746-7101
Fargo 25th Street
815 25th St S
Fargo, ND 58103-2397
Sanford
720 4th St N
Fargo, ND 58122-4520
West Fargo
925 14th Ave E
West Fargo, ND 58078-3311
Who Can Join TOWN AND COUNTRY?
Membership Type: Community
Membership eligibility for TOWN AND COUNTRY may vary. Contact the credit union directly to confirm qualification requirements.
Contact TOWN AND COUNTRY directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View North Dakota RankingsFrequently Asked Questions
Yes. TOWN AND COUNTRY is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, TOWN AND COUNTRY has 26,461 members and a potential membership field of 300,000 people.
TOWN AND COUNTRY's net worth ratio is 12.79% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.8%, TOWN AND COUNTRY meets this threshold.
TOWN AND COUNTRY operates 10 branch locations and has access to 7 ATMs. The main office is located at 615 S Broadway, Minot, ND 58701-4473.
TOWN AND COUNTRY was established in 1939. It is a state-chartered credit union chartered under charter number 60790. The institution has been serving members for 87 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or TOWN AND COUNTRY. All financial data is for informational purposes only.