Nonprofit · EIN 45-0278124
TOWN & COUNTRY CREDIT UNION
Tax-exempt · MINOT, ND 58701
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $45,794,051 | $40,495,822 | $5,298,229 | $717,879,838 | $629,284,608 | $88,595,230 |
| December 31, 2023 | 990 | $38,503,155 | $34,352,374 | $4,150,781 | $684,358,285 | $600,634,258 | $83,724,027 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $43,237,002
- Investment income
- $2,461,049
- Net rental income
- $96,000
- Net gain from sales of assets
- $16,604
- Other revenue
- $96,000
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $1,091,088
- Other salaries and wages
- $14,113,545
- Salaries, compensation and benefits (total)
- $18,362,935
- Professional fundraising fees
- $0
- Occupancy
- $1,205,226
- Travel
- $299,957
- Depreciation
- $1,116,790
Balance sheet and other
- Total assets, start of year
- $684,358,285
- Total assets, end of year
- $717,879,838
- Total liabilities, end of year
- $629,284,608
- Net assets, end of year
- $88,595,230
- Land, buildings and equipment
- $14,557,932
- Gross unrelated business income
- $1,309,514
- Gross receipts
- $45,892,380
- Employees
- 205
- Volunteers
- 7
- Year formed
- 1939
- State of legal domicile
- ND
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| MORTGAGE LOAN OFFICERS2 INDIVIDUALS | MORTGAGE LOAN ORIGINATOR Highest-paid employee | 40 | $557,698 | $111,216 |
| JAY LANDSIEDEL | CFO Officer | 40 | $454,667 | $40,895 |
| KALLI SCHELL | CEO Officer | 40 | $414,453 | $51,431 |
| FRED BEUCHLER | CLO Highest-paid employee | 40 | $377,750 | $57,650 |
| ADAM SILBERNAGEL | CIO Highest-paid employee | 40 | $267,722 | $53,401 |
| BRAD HOULE | FORMER CEO Former | 40 | $221,968 | $21,350 |
| TIM RAFFERTY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| WENDY LOUCKS | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DELRAE GEINERT | DIRECTOR Trustee or director | 1 | $0 | $0 |
| LARS CHRISTENSEN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| KALVIN LARSON | VICE CHAIRMAN Officer | 1 | $0 | $0 |
| CURTIS SMITH | SECRETARY/TREASURER Officer | 1 | $0 | $0 |
| DAVID RIPPLINGER | CHAIRMAN Officer | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 12 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| MORTGAGE LOAN OFFICERS2 INDIVIDUALS | MORTGAGE LOAN ORIGINATOR Highest-paid employee | 40 | $519,975 | $109,163 |
| KALLI SCHELL | COO Highest-paid employee | 40 | $453,978 | $48,611 |
| BRAD HOULE | CEO Officer | 40 | $394,104 | $54,601 |
| FRED BEUCHLER | CLO Highest-paid employee | 40 | $378,582 | $56,178 |
| JAY LANDSIEDEL | CFO Officer | 40 | $341,808 | $38,857 |
| ADAM SILBERNAGEL | CIO Highest-paid employee | 40 | $282,336 | $52,384 |
| BRIAN NELSON | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DAVID RIPPLINGER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JAN KOSTAD | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DELRAE GEINERT | VICE CHAIRMAN Officer | 1 | $0 | $0 |
| JEFF STREMICK | SECRETARY/TREASURER Officer | 1 | $0 | $0 |
| KEVIN HARMON | CHAIRMAN Officer | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 615 S BROADWAY, MINOT, ND 58701-4473
- Principal officer (990 for 2024)
- JESSICA HENDERSON, PO BOX 2046, MINOT, ND 587022046
- Signed the 990
- JESSICA HENDERSON, CFO
- Phone
- (701) 852-2018
- Website
- WWW.TOWNANDCOUNRTY.ORG
- Return prepared by
- BRADY MARTZ & ASSOCIATES PC
Mission
THE MISSION OF TOWN & COUNTRY CREDIT UNION IS TO BUILD TRUSTED FINANCIAL RELATIONSHIPS THROUGH PERSONALIZED SERVICE.
Program accomplishments
- NON-PROFIT ORGANIZATION PROVIDING FINANCIAL SERVICES TO A FIELD OF MEMBERSHIP.
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | Not on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 45-0278124
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1942
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $717,879,838
- Income (IRS master file)
- $45,892,380
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $45,794,051 | $40,495,822 | $717,879,838 | XML |
| 990 | December 2023 | $38,503,155 | $34,352,374 | $684,358,285 | XML |
| 990 | December 2022 | $29,514,851 | $25,000,066 | $637,609,134 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 45-0278124).
Questions about TOWN & COUNTRY CREDIT UNION
- What is the EIN of TOWN & COUNTRY CREDIT UNION?
- The employer identification number (EIN) of TOWN & COUNTRY CREDIT UNION is 45-0278124.
- Is TOWN & COUNTRY CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1942.
- Are donations to TOWN & COUNTRY CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does TOWN & COUNTRY CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of TOWN & COUNTRY CREDIT UNION due?
- The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did TOWN & COUNTRY CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2024.
- Who is the principal officer of TOWN & COUNTRY CREDIT UNION?
- The 990 for the year ended December 31, 2024 names JESSICA HENDERSON.
- Who are the officers and directors of TOWN & COUNTRY CREDIT UNION?
- The 990 for the year ended December 31, 2024 lists 13 people; 6 received compensation from the organization, the highest $557,698 (MORTGAGE LOAN OFFICERS2 INDIVIDUALS, MORTGAGE LOAN ORIGINATOR).
- How much revenue does TOWN & COUNTRY CREDIT UNION have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $45,794,051, expenses of $40,495,822 and total assets of $717,879,838 at year end.
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