TOWN & COUNTRY CREDIT UNION (EIN 450278124) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1939

Legal Domicile

Principal Officer

JAY LANDSIEDEL

Phone

7018522018

Tax Period

2023-01-01 to 2023-12-31

TOWN & COUNTRY CREDIT UNION, founded in 1939, is a mid-sized nonprofit that reported $38.5M in total revenue in fiscal year 2023. Revenue surged 30% from the prior year, signaling strong growth momentum. Expenses of $34.4M left a modest 11% surplus.

Mission

TO BUILD TRUSTED FINANCIAL RELATIONSHIPS THROUGH PERSONALIZED SERVICE

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $35,311,541

Investment Income $3,095,614

Other Revenue $96,000

TOTAL REVENUE $38,503,155

Expense Breakdown

Grants Paid $0

Salaries & Benefits $16,955,980

Fundraising Expenses $0

Other Expenses $17,396,394

TOTAL EXPENSES $34,352,374

Year-over-Year Comparison

	2023	2022	Change
Revenue	$38,503,155	$29,514,851	+0.3%
Expenses	$34,352,374	$25,000,066	+0.4%
Net Income	$4,150,781	$4,514,785	-0.1%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

215

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$829,370

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRIAN NELSON	DIRECTOR	1.00	Director	$0	$0	$0
DAVID RIPPLINGER	DIRECTOR	1.00	Director	$0	$0	$0
JAN KOSTAD	DIRECTOR	1.00	Director	$0	$0	$0
BRAD HOULE	CEO	40.00	Officer	$394,104	$54,601	$448,705
DELRAE GEINERT	VICE CHAIRMAN	1.00	Officer	$0	$0	$0
JAY LANDSIEDEL	CFO	40.00	Officer	$341,808	$38,857	$380,665
JEFF STREMICK	SECRETARY/TREASURER	1.00	Officer	$0	$0	$0
KEVIN HARMON	CHAIRMAN	1.00	Officer	$0	$0	$0
ADAM SILBERNAGEL	CIO	40.00	Highest	$282,336	$52,384	$334,720
FRED BEUCHLER	CLO	40.00	Highest	$378,582	$56,178	$434,760
KALLI SCHELL	COO	40.00	Highest	$453,978	$48,611	$502,589
MORTGAGE LOAN OFFICERS2 INDIVIDUALS	MORTGAGE LOAN ORIGINATOR	40.00	Highest	$519,975	$109,163	$629,138

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	No data	No data	No data	No data
2023	$38,503,155	$34,352,374	$684,358,285	$4,150,781
2022	$29,514,851	$25,000,066	$637,609,134	$4,514,785
2021	$30,613,353	$25,310,611	$639,797,460	$5,302,742
2020	$30,720,921	$26,686,672	$565,613,421	$4,034,249
2019	$26,821,573	$24,011,787	$485,723,542	$2,809,786
2018	$23,908,102	$20,559,850	$441,051,760	$3,348,252

TOWN & COUNTRY CREDIT UNION