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The Lender Report built this page from public records. Town and Country Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Town and Country Credit Union itself. Each figure shows its source and date. Work at Town and Country Credit Union? You can claim this page for free.
Credit union, Minot, ND
Town and Country Credit Union
A credit union based in Minot, ND. Its commercial book is led by farmland and multifamily. Public files show recent multifamily, 1-4 unit investor, SBA 7(a), SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $394M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 120
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 38
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $771M
- NCUA 5300,
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How to reach them
Each line shows where it came from
- Phone
- 701-852-2018 From the NCUA record, June 30, 2026.
- Website
- www.townandcountry.orgFrom the NCUA record, November 9, 2026.
- Commercial lending page
- townandcountry.orgFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- TOWN AND COUNTRY; Town and Country CUNCUA 5300,
- Address
- 615 S Broadway, Minot, ND 58701-4473NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Town and Country Credit Union's Non-owner-occupied CRE balance rose 10.2% to $71.2M in the quarter ended June 30, 2026. NCUA 5300,
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 22 SBA Express.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Farmland balance rose 18.2% to $109M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Multifamily balance rose 6.3% to $104.5M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | North Dakota | SBA 7(a), Residential Remodelers | $18K | 6.5% | 5 yr | SBA FOIA | |
| May 2026 | North Dakota | SBA 7(a), Real Estate and Rental and Leasing | $200K | 7.25% | 10 yr | SBA FOIA | |
| May 2026 | North Dakota | SBA 7(a), Construction | $150K | 7.25% | 1 yr | SBA FOIA | |
| Apr 2026 | North Dakota | SBA 7(a), Limited-Service Restaurants | $100K | 7% | 3 yr | SBA FOIA | |
| Apr 2026 | North Dakota | SBA 7(a), Limited-Service Restaurants | $100K | 7% | 6 yr | SBA FOIA | |
| Mar 2026 | North Dakota | SBA 7(a), Retail Trade | $140K | 7% | 7 yr | SBA FOIA | |
| Feb 2026 | North Dakota | SBA 7(a), Construction | $840K | 7.25% | 10 yr | SBA FOIA | |
| Jan 2026 | North Dakota | SBA 504, Retail Trade | $550K | 25 yr | SBA FOIA | ||
| 2025 | Ward County, ND | Purchase, 25 to 49 units | $1.6M | 6.25% | 5 yr | 65% | HMDA 2025 |
| Sep 2025 | North Dakota | SBA 504, Health Care and Social Assistance | $900K | 25 yr | SBA FOIA | ||
| Sep 2025 | North Dakota | SBA 7(a), Construction | $300K | 7.25% | 1 yr | SBA FOIA | |
| Aug 2025 | North Dakota | SBA 7(a), Information | $100K | 7.75% | 10 yr | SBA FOIA | |
| Aug 2025 | North Dakota | SBA 7(a), Information | $50K | 7.75% | 1 yr | SBA FOIA | |
| Jun 2025 | North Dakota | SBA 7(a), Full-Service Restaurants | $50K | 7.75% | 5 yr | SBA FOIA | |
| May 2025 | North Dakota | SBA 7(a), Construction | $200K | 7.25% | 5 yr | SBA FOIA | |
| Mar 2025 | North Dakota | SBA 7(a), Health Care and Social Assistance | $770K | 8.25% | 5 yr | SBA FOIA | |
| Mar 2025 | North Dakota | SBA 504, Health Care and Social Assistance | $320K | 20 yr | SBA FOIA | ||
| Feb 2025 | North Dakota | SBA 7(a), Construction | $200K | 7.75% | 7 yr | SBA FOIA | |
| Feb 2025 | North Dakota | SBA 7(a), Offices of Certified Public Accountants | $25K | 8.5% | 10 yr | SBA FOIA | |
| 2024 | Cass County, ND | Purchase, 5 to 24 units | $740K | 7.29% | 5 yr | 64% | HMDA 2024 |
| Dec 2024 | North Dakota | SBA 7(a), Other Services (except Public Administration) | $230K | 7.75% | 7 yr | SBA FOIA | |
| 2024 | Ward County, ND | Purchase, 5 to 24 units | $180K | 6.99% | 5 yr | 66% | HMDA 2024 |
| Nov 2024 | North Dakota | SBA 504, General Automotive Repair | $350K | 20 yr | SBA FOIA | ||
| Nov 2024 | North Dakota | SBA 504, Health Care and Social Assistance | $270K | 25 yr | SBA FOIA | ||
| Oct 2024 | North Dakota | SBA 7(a), Health Care and Social Assistance | $200K | 8% | 10 yr | SBA FOIA | |
| 30 SBA 7(a) loans since October 2023, net of cancelled | $5.93M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $105M | 15.4% | +6.3% | 297 | $352K |
| Construction and land development | $12.0M | 1.8% | +8.4% | 32 | $374K |
| Owner-occupied CRE | $47.6M | 7.0% | Not reported | 120 | $396K |
| Non-owner-occupied CRE | $71.2M | 10.5% | -25.8% | 116 | $614K |
| Farmland | $109M | 16.1% | +18.2% | 296 | $368K |
| Commercial and industrial | $49.9M | 7.3% | +2.5% | 575 | $86.8K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $394M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $307M |
| Q4 2023 | $317M |
| Q1 2024 | $317M |
| Q2 2024 | $323M |
| Q3 2024 | $325M |
| Q4 2024 | $335M |
| Q1 2025 | $339M |
| Q2 2025 | $348M |
| Q3 2025 | $355M |
| Q4 2025 | $361M |
| Q1 2026 | $366M |
| Q2 2026 | $394M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 1 | $1.6M | $1.6M | $1.6M | HMDA, |
| Multifamily, 5 or more units | 2024 | 2 | $920K | $460K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 56 | $10.8M | $180K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 30 | $5.93M | $143K | $840K | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 7 | $1.54M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 8 | $3.79M | $336K | $1.1M | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 120 | $81.5M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 49 | $23.6M | NCUA 5300, | ||
| Construction | First half of 2026 | 10 | $2.25M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 15 | $4.80M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 16 | $13.0M | NCUA 5300, | ||
| C&I | First half of 2026 | 101 | $10.2M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number. SBA 504 first liens: name and lender office city.
| Book | Average loan |
|---|---|
| Construction and land development | $374K |
| Multifamily | $352K |
| Owner-occupied CRE | $396K |
| Non-owner-occupied CRE | $614K |
| Farmland | $368K |
| Commercial and industrial | $86.8K |
| Industry | Loans | Dollars |
|---|---|---|
| Health Care and Social Assistance | 6 | $2.72M |
| Construction | 5 | $1.69M |
Other lenders in these fields: SBA lenders for construction trades.
Programs on record: Federal Home Loan Bank member, Des Moines district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| North Dakota HQ | 10 | 1 | 46 | 26 | 8 |
| Minnesota | 0 | 0 | 6 | 4 | 0 |
| South Dakota | 0 | 0 | 2 | 0 | 0 |
| Arizona | 0 | 0 | 1 | 0 | 0 |
| Iowa | 0 | 0 | 1 | 0 | 0 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $94.5M | $25.9M to $187M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $576M | $44.2M to $821M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 609.5% | 87.8% to 439.0% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $15.1M | $3.85M to $28.3M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 186.4% | 21.0% to 190.2% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 88.0% | 45.6% to 78.8% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- Of 56 1-4 unit investor loans with a known channel in 2025, 1 (1.8%) came through a third party. HMDA,
Third party includes correspondents as well as brokers. No figure here means no evidence, not a refusal.
- SBA Express
- 22 loans
- Approval to first disbursement
- 16 days, median of 29
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Capital Credit Union | ND | $921M | $288M |
| Western Cooperative Credit Union | ND | $522M | $65.6M |
| First Community Credit Union | ND | $1.53B | $620M |
| Dakota West Credit Union | ND | $327M | $78.9M |
| Heartland Credit Union | WI | $667M | $60.7M |
| North Star Community Credit Union | ND | $465M | $94.1M |
| Railway Credit Union | ND | $212M | $46.1M |
| Southpoint Financial Credit Union | MN | $609M | $53.2M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it takes brokers on any given deal. The public record shows only that some loans came through a third party.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Town and Country Credit Union, NCUA charter 60790. Compare it with the regulator's record. [NCUA profile]
- Balances. $771M in total assets and $394M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 120 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 97 loans in HMDA and SBA files, through September 30, 2026: 1 HMDA multifamily 2025, 2 HMDA multifamily 2024, 56 HMDA 1-4 unit investor 2025, 30 SBA 7(a) in 36 months, 8 SBA 504 first liens in 36 months. [How each file was tied to Town and Country Credit Union]
- Phone and website. Phone 701-852-2018, from the NCUA record. Website townandcountry.org, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 60790
- RSSD
- 235491
- LEI
- 5493000JZXUB8NOEMF64
- The Lender Report ID
- lr_001901
- Main office county
- Ward
- Members
- 26,732
- NCUA region
- 3 - Western
NCUA credit union details,
- Reported $771.1M in total assets as of June 30, 2026 (NCUA 5300).
- Held $394.1M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $109M of farmland loans as of June 30, 2026, up 18.2% from a year earlier (NCUA 5300).
- Held $104.5M of multifamily loans as of June 30, 2026, up 6.3% from a year earlier (NCUA 5300).
- Held $71.2M of non-owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Originated 1 multifamily loan totaling $1.6M in 2025 (HMDA).
7 more sentences
- Originated 2 multifamily loans totaling $920K in 2024 (HMDA).
- Originated 56 1-4 unit investor or business-purpose loans totaling $10.8M in 2025 (HMDA).
- Recorded 32 SBA 7(a) approvals totaling $6.2M from October 1, 2023 to September 30, 2026, of which 2 were later cancelled (SBA).
- Provided the first lien on 9 SBA 504 projects with $3.9M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Originated 120 real-estate-secured commercial loans totaling $81.5M in the first half of 2026 (NCUA 5300).
- Held $11.3M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 10 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, Town and Country Credit Union, https://lender.report/lender/town-and-country-credit-union-nd/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem