Town & Country Credit Union
501(c)(14)
Only null% goes to programs Strong reserves Growing revenue
Town & Country Credit Union is a 501(c)(14) organization based in Minot, North Dakota, registered in 1942, with $45,794,051 in FY2024 revenue. CharityIndex grades it B.
615 S Broadway, Minot, ND, 58701 EIN 45-0278124 Since 1942
Revenue (FY2024)
$45.8M
▲ 18.9% vs prior year
Expenses (FY2024)
$40.5M
Net assets
$88.6M
Employees
—
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
B
★★★★
Rated on 2 of 4 criteria — the rest aren't reported in this filing type.
Held down by its weakest criterion — a strong score on one criterion can't hide a weak one.
How the rating works →—Program efficiency40% of the ratingNo expense breakdown in filings
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. Not scored for Town & Country Credit Union— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
AFinancial health25% of the rating26 mo reserves · +12% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For Town & Country Credit Union: 26 mo reserves · +12% margin earns a A on this criterion. See the exact thresholds →
—Governance25% of the ratingNot reported in this filing type
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. Not scored for Town & Country Credit Union— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
CTransparency10% of the rating2 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For Town & Country Credit Union: 2 of 5 disclosure signals earns a C on this criterion. See the exact thresholds →
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Contact & location
- Address
- 615 S Broadway, Minot, ND, 58701
- City
- Minot
- State
- North Dakota
- Category
- —
- Subcategory
- —
- Website
- …
Financial trends
Revenue grew from $20.6M (FY2013) to $45.8M (FY2024) across 12 reported years.
Financial snapshot
Financial health & position (FY2024)
Liabilities $629.3MNet assets $88.6M
Operating margin
11.6%
Revenue exceeded expenses in the latest fiscal year.
Total assets
$717.9M
Total liabilities
$629.3M
Net assets
$88.6M
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2024 | $45,794,051▲18.9% | $40,495,822▲17.9% | $88,595,230▲5.8% | $717,879,838▲4.9% | 990 |
| 2023 | $38,503,155▲30.5% | $34,352,374▲37.4% | $83,724,027▲5.2% | $684,358,285▲7.3% | 990 |
| 2022 | $29,514,851▼3.6% | $25,000,066▼1.2% | $79,583,591▲6.7% | $637,609,134▼0.3% | 990 |
| 2021 | $30,613,353▼0.4% | $25,310,611▼5.2% | $74,553,215▲7.5% | $639,797,460▲13.1% | 990 |
| 2020 | $30,720,921▲14.5% | $26,686,672▲11.1% | $69,358,623▲6.2% | $565,613,421▲16.4% | 990 |
| 2019 | $26,821,573▲12.2% | $24,011,787▲16.8% | $65,331,270▲4.1% | $485,723,542▲10.1% | 990 |
| 2018 | $23,908,102▲7.1% | $20,559,850▲6.8% | $62,745,247▲5.6% | $441,051,760▲6.1% | 990 |
| 2017 | $22,321,623▼6.2% | $19,253,156▲0.4% | $59,421,575▲5.3% | $415,506,047▲6.1% | 990 |
| 2016 | $23,791,728▼1.0% | $19,183,426▲3.5% | $56,406,002▲8.7% | $391,565,497▲1.9% | 990 |
| 2015 | $24,033,819▲8.0% | $18,530,545▲7.0% | $51,890,729▲11.9% | $384,292,643▲4.6% | 990 |
| 2014 | $22,259,749▲8.2% | $17,315,048▲15.2% | $46,384,664▲11.9% | $367,304,807▲5.8% | 990 |
| 2013 | $20,566,901 | $15,035,143▲0.3% | $41,446,571▲14.9% | $347,013,729▲5.6% | 990 |
| 2012 | — | $14,995,804▲13.6% | $36,066,354▲16.6% | $328,533,907▲10.7% | 990 |
| 2011 | — | $13,200,953▲2.6% | $30,933,354▲14.6% | $296,875,574▲19.8% | 990 |
| 2010 | — | $12,862,858 | $27,003,617 | $247,889,757 | 990 |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Frequently asked questions
- Is Town & Country Credit Union a legitimate nonprofit?
- Yes. Town & Country Credit Union is a 501(c)(14) organization registered with the U.S. Internal Revenue Service under EIN 45-0278124, based in Minot, North Dakota.
- What is Town & Country Credit Union's EIN?
- Town & Country Credit Union's Employer Identification Number (EIN) is 45-0278124.
- How much revenue does Town & Country Credit Union report?
- Town & Country Credit Union reported $45,794,051 in total revenue on its fiscal year 2024 IRS Form 990 filing.
- What financial grade does Town & Country Credit Union have?
- CharityIndex grades Town & Country Credit Union B, based on financial health (reserves and operating margin).
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Data for Town & Country Credit Union (EIN 45-0278124) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.