TOWN AND COUNTRY
Charter #60790 | ND
500M-750M
(169 CUs)
Community
($500M-$1B)
(281 CUs)
1 500M-750M in ND
TOWN AND COUNTRY has 14 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 1.4% in tier
- + Wallet Share Momentum: Top 10.5% in tier
- + ROA 0.31% above tier average
- + Net Interest Margin 0.34% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Loans: Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 1.2% in tier
- + Average Member Relationship (AMR): Top 1.8% in tier
- + First Mortgage Concentration (%): Top 2.4% in tier
- + Total Assets: Top 5.3% in tier
- + Fee Income Per Member: Top 5.9% in tier
- + Total Deposits: Top 6.5% in tier
- + Loan-to-Share Ratio: Top 7.1% in tier
- + Net Charge-Off Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 2.3% in tier
- - Liquidity Strain: Bottom 10.1% in tier
- - Membership Headwinds: Bottom 15.0% in tier
- - Credit Quality Pressure: Bottom 16.9% in tier
- - Growth-at-Risk: Bottom 22.0% in tier
- - Liquidity Overhang: Bottom 34.3% in tier
- - Member decline: -2.8% YoY
- - Members Per Employee (MPE): Bottom 0.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
26,457
-2.8% YoY+0.3% QoQ
|
-13.3K |
39,752
-2.7% YoY
|
7,412
-0.5% YoY
|
33,089
+6.1% YoY
|
Bottom 10.1% in tier |
| Assets |
$736.6M
+4.5% YoY+0.9% QoQ
|
+$114.2M |
$622.4M
+0.3% YoY
|
$201.0M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Top 5.9% in tier |
| Loans |
$639.5M
+3.5% YoY+0.9% QoQ
|
+$203.6M |
$435.9M
-0.4% YoY
|
$137.9M
+2.5% YoY
|
$388.7M
+8.6% YoY
|
Top 0.6% in tier |
| Deposits |
$637.8M
+4.3% YoY+1.0% QoQ
|
+$99.8M |
$538.0M
+1.3% YoY
|
$165.9M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
Top 7.1% in tier |
| ROA |
1.0%
+71.1% YoY+11.4% QoQ
|
+0.3% |
0.7%
+33.9% YoY
|
0.9%
-6.7% YoY
|
0.7%
+273.4% YoY
|
75th in tier |
| NIM |
3.8%
+10.5% YoY+2.8% QoQ
|
+0.3% |
3.4%
+8.6% YoY
|
3.4%
+7.4% YoY
|
3.7%
+5.0% YoY
|
Top 23.1% in tier |
| Efficiency Ratio |
77.4%
-10.6% YoY-0.8% QoQ
|
-0.7% |
78.1%
-3.4% YoY
|
74.0%
-24.8% YoY
|
79.1%
-3.3% YoY
|
44th in tier |
| Delinquency Rate |
0.5%
+42.7% YoY-44.9% QoQ
|
-0.3 |
0.8%
-4.9% YoY
|
0.9%
-3.9% YoY
|
1.2%
-0.9% YoY
|
37th in tier |
| Loan To Share |
100.3%
-0.8% YoY-0.1% QoQ
|
+19.2% |
81.0%
-1.8% YoY
|
72.0%
-4.4% YoY
|
68.0%
-1.7% YoY
|
Top 7.7% in tier |
| AMR |
$48,279
+6.8% YoY+0.6% QoQ
|
+$22K |
$26,482
+2.6% YoY
|
$32,427
+3.2% YoY
|
$19,418
+1.3% YoY
|
Top 2.4% in tier |
| CD Concentration |
36.8%
+5.5% YoY+1.1% QoQ
|
+12.4% |
24.4%
+4.2% YoY
|
22.4%
+2.4% YoY
|
19.6%
+6.2% YoY
|
Top 11.9% in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
1.1%
-2.9% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growth
#39 of 1006 • Top 1.4% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
6.82%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$6.4K
(Tier: $2.8K, National: $2.0K)
1006 of 281 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank improving
Wallet Share Momentum
growth
#291 of 1006 • Top 10.5% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
6.82%
(Tier:
3.68%, National:
4.19%)
1006 of 281 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Concerns (6)
Stagnation Risk
risk
#39 of 550 • Bottom 2.3% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
0.97%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-2.77%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$48.3K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
36.84%
(Tier:
24.41%, National:
19.60%)
550 of 281 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
Liquidity Strain
risk
#79 of 258 • Bottom 10.1% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
100.27%
(Tier:
74.56%, National:
67.96%)
Loan Growth (YoY):
3.47%
(Tier:
3.64%, National:
36.38%)
258 of 281 Community CUs have this signature
| 484 nationally
↓ Shrinking
-28 CUs YoY
|
Rank worsening
Membership Headwinds
decline
#248 of 550 • Bottom 15.0% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-2.77%
(Tier:
0.88%, National:
9.37%)
550 of 281 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
Credit Quality Pressure
risk
#419 of 736 • Bottom 16.9% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.15% points
(Tier:
0.04% points, National:
0.07% points)
736 of 281 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
New qualifier
Growth-at-Risk
risk
#331 of 446 • Bottom 22.0% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
3.47%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.15% points
(Tier:
0.04% points, National:
0.07% points)
446 of 281 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
New qualifier
Liquidity Overhang
risk
#532 of 552 • Bottom 34.3% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
12.75%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
100.27%
(Tier:
74.56%, National:
67.96%)
552 of 281 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank worsening
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (14 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 16.19%
#1 of 169
Top 0.0% in 500M-750M tier
1
Total Loans
balance_sheet
Value:
$639.51M
Peer Avg: $435.95M
#1 of 169
Top 0.0% in 500M-750M tier
3
Loan-to-Member Ratio (LMR)
engagement
Value:
$24,172
Peer Avg: $11,805
#3 of 169
Top 1.2% in 500M-750M tier
4
Average Member Relationship (AMR)
engagement
Value:
$48,279
Peer Avg: $26,482
#4 of 169
Top 1.8% in 500M-750M tier
5
First Mortgage Concentration (%)
balance_sheet
Value:
8.63%
Peer Avg: 33.53%
#5 of 169
Top 2.4% in 500M-750M tier
10
Total Assets
balance_sheet
Value:
$736.60M
Peer Avg: $622.38M
#10 of 169
Top 5.3% in 500M-750M tier
11
Fee Income Per Member
profitability
Value:
$325.80
Peer Avg: $199.27
#11 of 169
Top 5.9% in 500M-750M tier
12
Total Deposits
balance_sheet
Value:
$637.80M
Peer Avg: $538.02M
#12 of 169
Top 6.5% in 500M-750M tier
13
Loan-to-Share Ratio
balance_sheet
Value:
100.27%
Peer Avg: 81.02%
#13 of 169
Top 7.1% in 500M-750M tier
16
Net Charge-Off Rate
risk
Value:
0.08%
Peer Avg: 0.51%
#16 of 169
Top 8.9% in 500M-750M tier
Top Weaknesses (4 metrics)
169
Members Per Employee (MPE)
engagement
Value:
174.059
Peer Avg: 338.010
#169 of 169
Bottom 0.6% in 500M-750M tier
152
Total Members
engagement
Value:
26,457
Peer Avg: 39,752
#152 of 169
Bottom 10.7% in 500M-750M tier
149
Share Certificate Concentration (%)
balance_sheet
Value:
36.84%
Peer Avg: 26.87%
#149 of 169
Bottom 12.4% in 500M-750M tier
147
Member Growth Rate
growth
Value:
-2.77%
Peer Avg: 1.75%
#147 of 169
Bottom 13.6% in 500M-750M tier