2025-11-17T08:18:00-06:00 2024-12-31 450310328 BRADY MARTZ & ASSOCIATES PC PO BOX 848 MINOT ND 587020848 990 2024-01-01 450278124 TOWN & COUNTRY CREDIT UNION TOWN 7018522018 PO BOX 2046 MINOT ND 587022046 JESSICA HENDERSON CFO 7018522018 2025-11-17 1 1 RYAN E BAKKE CPA P01086599 7018520196 2025-11-17 2024 2025-03-06 01:10:19Z JESSICA HENDERSON PO BOX 2046 MINOT ND 587022046 45892380 0 X WWW.TOWNANDCOUNRTY.ORG X 1939 ND TO BUILD TRUSTED FINANCIAL RELATIONSHIPS THROUGH PERSONALIZED SERVICE 7 7 205 7 1309514 269895 0 0 35311541 43237002 3095614 2461049 96000 96000 38503155 45794051 0 0 0 0 16955980 18362935 0 0 0 17396394 22132887 34352374 40495822 4150781 5298229 684358285 717879838 600634258 629284608 83724027 88595230 THE MISSION OF TOWN & COUNTRY CREDIT UNION IS TO BUILD TRUSTED FINANCIAL RELATIONSHIPS THROUGH PERSONALIZED SERVICE. 0 0 NON-PROFIT ORGANIZATION PROVIDING FINANCIAL SERVICES TO A FIELD OF MEMBERSHIP. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 1 9504 0 1 205 1 1 1 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 1 0 1 1 0 1 1 1 1 1 1 1 0 X JESSICA HENDERSON 7018522018 PO BOX 2046 MINOT ND 587022046 TIM RAFFERTY DIRECTOR 1.00 X 0 0 0 WENDY LOUCKS DIRECTOR 1.00 X 0 0 0 DELRAE GEINERT DIRECTOR 1.00 X 0 0 0 LARS CHRISTENSEN DIRECTOR 1.00 X 0 0 0 KALLI SCHELL CEO 40.00 X 414453 0 51431 KALVIN LARSON VICE CHAIRMAN 1.00 X 0 0 0 JAY LANDSIEDEL CFO 40.00 X 454667 0 40895 CURTIS SMITH SECRETARY/TREASURER 1.00 X 0 0 0 DAVID RIPPLINGER CHAIRMAN 1.00 X 0 0 0 ADAM SILBERNAGEL CIO 40.00 X 267722 0 53401 FRED BEUCHLER CLO 40.00 X 377750 0 57650 MORTGAGE LOAN OFFICERS2 INDIVIDUALS MORTGAGE LOAN ORIGINATOR 40.00 X 557698 0 111216 BRAD HOULE FORMER CEO 40.00 X 221968 0 21350 2294258 0 335943 38 1 1 0 JACK HENRY & ASSOCIATES PO BOX 609 MONETT MO 65708 CORE PROCESSING SYSTEM 511004 NCR CORPORATION PO BOX 740641 LOS ANGELES CA 90074 HOME BANKING, MOBILE BANKING PRODUCT 410419 WILD AND ASSOCIATES 500 2ND AVE N SUITE 514 FARGO ND 58102 GENERAL CONTRACTOR TRINITY DESIGN/ FIT U 409487 CONSOLIDATED COMMUNICATIONS PO BOX 3248 MANKATO MN 56002 TELEPHONE, INTERNET, DATA LINE COMMUNICA 189507 LKCS 4130 PLANK ROAD PERU IL 61354 STATEMENT AND WEBSITE PROVIDER 178395 6 INTEREST ON LOANS 522100 33838046 33838046 SERVICE FEES 522100 4029391 2845461 1183930 NET GAIN ON SALES OF LOANS 522100 2447838 2447838 INSURANCE INCOME 524292 234142 234142 EXTENDED WARRANTIES 522100 29584 29584 2658001 2658001 43237002 2444445 2444445 96000 0 96000 96000 96000 114933 98329 16604 16604 16604 45794051 42023488 1309514 2461049 1091088 14113545 803386 1439021 915895 77384 694768 3957901 1205226 299957 6225 11984911 1116790 UNRELATED BUSINESS INCO 37771 VISA 1018463 PROVISION FOR LOAN LOSS 450000 LOAN SERVICE EXPENSE 424171 859320 40495822 10407334 8492404 47153750 51262434 595416828 619280926 626890 762503 25361015 10803083 14592740 14557932 3032517 9126731 13128226 14396908 684358285 717879838 6977721 6248765 593656537 623035843 600634258 629284608 X 0 0 0 0 83724027 88595230 83724027 88595230 684358285 717879838 X 5298229 -427026 X X 0 1 X 1 0 0 3913759 3913759 15545010 7064243 8480767 400986 17267 383719 5501260 3721573 1779687 14557932 MEMBER SHARES 279860104 SAVINGS CERTIFICATES 237719720 MONEY MARKETS 105456019 623035843 X PART X, LINE 2: THE CREDIT UNION'S POLICY IS TO EVALUATE THE LIKELIHOOD THAT ITS UNCERTAIN TAX POSITIONS WILL PREVAIL UPON EXAMINATION BASED ON THE EXTENT TO WHICH THOSE POSITIONS HAVE SUBSTANTIAL SUPPORT WITHIN THE INTERNAL REVENUE CODE AND REGULATIONS, REVENUE RULINGS, COURT DECISIONS, AND OTHER EVIDENCE. IT IS THE OPINION OF MANAGEMENT THAT THE CREDIT UNION HAS NO SIGNIFICANT UNCERTAIN TAX POSITIONS THAT WOULD BE SUBJECT TO CHANGE UPON EXAMINIATION. THE FEDERAL INCOME TAX RETURNS OF THE CREDIT UNION ARE SUBJECT TO EXAMINATION BY THE IRS, GENERALLY FOR THREE YEARS AFTER THEY WERE FILED. X X 0 0 0 MORTGAGE LOAN OFFICERS2 INDIVIDUALS MORTGAGE LOAN ORIGINATOR 245315 0 311113 0 1270 0 41531 0 69685 0 668914 0 0 0 JAY LANDSIEDEL CFO 253036 0 193955 0 7676 0 24150 0 16745 0 495562 0 0 0 KALLI SCHELL CEO 321784 0 87059 0 5610 0 24150 0 27281 0 465884 0 0 0 FRED BEUCHLER CLO 287191 0 80199 0 10360 0 23831 0 33819 0 435400 0 0 0 ADAM SILBERNAGEL CIO 205882 0 56180 0 5660 0 19892 0 33509 0 321123 0 0 0 BRAD HOULE FORMER CEO 85102 0 68150 0 68716 0 15714 0 5636 0 243318 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION IS OWNED BY ITS MEMBERS, WHO ARE CUSTOMERS OF THE CREDIT UNION. FORM 990, PART VI, SECTION A, LINE 7A MEMBERS OF THE BOARD OF DIRECTORS ARE ELECTED BY THE MEMBERSHIP BODY. FORM 990, PART VI, SECTION A, LINE 7B DECISIONS MADE BY THE BOARD MEMBERS ARE APPROVED BY THE MEMBERSHIP. FORM 990, PART VI, SECTION B, LINE 11B THE PRESIDENT, CFO, AND CONTROLLER REVIEW THE TAX RETURN BEFORE IT IS FILED. FORM 990, PART VI, SECTION B, LINE 12C ALL GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST. FORM 990, PART VI, SECTION B, LINE 15 OFFICER COMPENSATION IS APPROVED IN AN EXECUTIVE SESSION OF THE BOARD OF DIRECTORS. A CUNA SALARY SURVEY IS UTILIZED TO ASSIST THE BOARD IN THE DECISION. IN ADDITION, OPERATIONAL AND FINANCIAL GOALS ARE REVIEWED AND DISCUSSED, AND AN ANNUAL SALARY IS ESTABLISHED. FORM 990, PART VI, SECTION C, LINE 19 ALL INFORMATION IS MADE AVAILABLE UPON REQUEST. FORM 990, PART VI, SECTION A, LINE 1 THERE IS AN EXECUTIVE COMMITTEE COMPOSED OF THE OFFICERS OF THE BOARD OF DIRECTORS. THIS EXECUTIVE COMMITTEE HAS THE ABILITY TO ACT ON ISSUES NOT CONSIDERED NECESSARY TO BRING TO THE ATTENTION OF THE FULL BOARD OF DIRECTORS. FORM 990, PART XI, LINE 9: LOSS ON INVESTMENT IN CONTROLLED ENTITIY CUSO -427,026. FORM 990, PART XII, LINE 2C THE ORGANIZATION'S PROCESS FOR SELECTING AN INDEPENDENT ACCOUNTANT HAS NOT CHANGED FROM PRIOR YEARS. TOWN & COUNTRY CUSO INC 615 SOUTH BROADWAY MINOT ND 58701 450449588 INSURANCE AGENCY ND TOWN & COUNTRY CREDIT UNION C 5094668 2202344 1.00000 1 1 0 0 1 0 0 0 0 0 1 0 0 0 0 0 0 1 0 0 TOWN & COUNTRY CUSO INC A 19474 ACTUAL PAYMENTS TOWN & COUNTRY CUSO INC J 96000 ACTUAL PAYMENTS TOWN & COUNTRY CUSO INC Q 1023367 ACTUAL PAYMENTS TOWN & COUNTRY CUSO INC D 350000 YEAR END LOAN BALANCE