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TOWN & COUNTRY CREDIT UNION

EIN 45-0278124 MINOT, ND

Largest nonprofits in North Dakota

Revenue 2024
$45,794,051
Expenses 2024
$40,495,822

As filed

Subsection
14
Classification
1000
Street
615 S BROADWAY

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Mission and programs · 2024

Mission

THE MISSION OF TOWN & COUNTRY CREDIT UNION IS TO BUILD TRUSTED FINANCIAL RELATIONSHIPS THROUGH PERSONALIZED SERVICE.

Activities or mission (Part I)

TO BUILD TRUSTED FINANCIAL RELATIONSHIPS THROUGH PERSONALIZED SERVICE

  • NON-PROFIT ORGANIZATION PROVIDING FINANCIAL SERVICES TO A FIELD OF MEMBERSHIP.

As filed on the 2024 return.

Officers and directors · 2024

As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • Tim Rafferty

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Wendy Loucks

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Delrae Geinert

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Lars Christensen

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Kalli Schell

    CEO

    Total calculated
    $465,884
    From this org
    $414,453
    From related orgs
    $0
    Other
    $51,431
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $321,784
    Bonus
    $87,059
    Other
    $5,610
    Deferred
    $24,150
    Nontaxable benefits
    $27,281
    Filer's total
    $465,884
  • Kalvin Larson

    VICE CHAIRMAN

    Total calculated
    $0
    Hours/week
    1
  • Jay Landsiedel

    CFO

    Total calculated
    $495,562
    From this org
    $454,667
    From related orgs
    $0
    Other
    $40,895
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $253,036
    Bonus
    $193,955
    Other
    $7,676
    Deferred
    $24,150
    Nontaxable benefits
    $16,745
    Filer's total
    $495,562
  • Curtis Smith

    SECRETARY/TREASURER

    Total calculated
    $0
    Hours/week
    1
  • David Ripplinger

    CHAIRMAN

    Total calculated
    $0
    Hours/week
    1
  • Adam Silbernagel

    CIO

    Total calculated
    $321,123
    From this org
    $267,722
    From related orgs
    $0
    Other
    $53,401
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $205,882
    Bonus
    $56,180
    Other
    $5,660
    Deferred
    $19,892
    Nontaxable benefits
    $33,509
    Filer's total
    $321,123
  • Fred Beuchler

    CLO

    Total calculated
    $435,400
    From this org
    $377,750
    From related orgs
    $0
    Other
    $57,650
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $287,191
    Bonus
    $80,199
    Other
    $10,360
    Deferred
    $23,831
    Nontaxable benefits
    $33,819
    Filer's total
    $435,400
  • Mortgage Loan Officers2 Individuals

    MORTGAGE LOAN ORIGINATOR

    Total calculated
    $668,914
    From this org
    $557,698
    From related orgs
    $0
    Other
    $111,216
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $245,315
    Bonus
    $311,113
    Other
    $1,270
    Deferred
    $41,531
    Nontaxable benefits
    $69,685
    Filer's total
    $668,914
  • Brad Houle

    FORMER CEO

    Total calculated
    $243,318
    From this org
    $221,968
    From related orgs
    $0
    Other
    $21,350
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $85,102
    Bonus
    $68,150
    Other
    $68,716
    Deferred
    $15,714
    Nontaxable benefits
    $5,636
    Filer's total
    $243,318

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.

Filings

  • 2024
    Revenue
    $45,794,051
    Expenses
    $40,495,822
    Contributions
    $0
    Grants paid
    $0
  • 2023
    Revenue
    $38,503,155
    Expenses
    $34,352,374
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $29,514,851
    Expenses
    $25,000,066
    Contributions
    $0
    Grants paid
    $0

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

  • 2021 · 990

    Revenue
    $30,613,353
    Expenses
    $25,310,611
    Assets (EOY)
    $639,797,460
  • 2020 · 990

    Revenue
    $30,720,921
    Expenses
    $26,686,672
    Assets (EOY)
    $565,613,421
  • 2019 · 990

    Revenue
    $26,821,573
    Expenses
    $24,011,787
    Assets (EOY)
    $485,723,542
  • 2018 · 990

    Revenue
    $23,908,102
    Expenses
    $20,559,850
    Assets (EOY)
    $441,051,760
  • 2017 · 990

    Revenue
    $22,321,623
    Expenses
    $19,253,156
    Assets (EOY)
    $415,506,047
  • 2017 · 990

    Revenue
    $22,321,623
    Expenses
    $19,253,156
    Assets (EOY)
    $415,506,047
  • 2016 · 990

    Revenue
    $23,791,728
    Expenses
    $19,183,426
    Assets (EOY)
    $391,565,497
  • 2015 · 990

    Revenue
    $24,033,819
    Expenses
    $18,530,545
    Assets (EOY)
    $384,292,643
  • 2014 · 990

    Revenue
    $22,259,749
    Expenses
    $17,315,048
    Assets (EOY)
    $367,304,807
  • 2013 · 990

    Revenue
    $20,566,901
    Expenses
    $15,035,143
    Assets (EOY)
    $347,013,729

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all. Showing the 10 most recent; the API carries the rest.

Grants made

No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.

Grants received

No itemized grant names this organization as a recipient. Only grants over $5,000 are itemized, and only by filers of the full Form 990.

Taxable family

From Schedule R Parts I, III and IV: entities that legally are the filer, and taxable partnerships, corporations and trusts it is related to. These record ownership and control, not shared board members or money.

Related corporations and trusts on its 2024 return

  • TOWN & COUNTRY CUSO INC

    C · INSURANCE AGENCY · ND · 100% owned · share of income $5,094,668 · share of assets $2,202,344 · controlled entity

Other IRS files

Auto-Revocation List

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

Publication 78

Not present in the most recent drop.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.

What this page reflects

The registration facts above come from the IRS Business Master File published 13 October 2026 and read 1 November 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.