TOWN & COUNTRY
Charter #8486 · SOUTH PORTLAND, ME · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.34% sits at the 13th percentile of structural peers — worth a closer look.
- Return on average assets of 0.30% sits at the 21st percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.18% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.18% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 88.85% sits at the 85th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | TOWN & COUNTRY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $627.64M | 32th pct | 23th pct |
| Members | 38,593 | 42th pct | 26th pct |
| Net worth ratio | 8.34% | 10th pct | 13th pct |
| Return on average assets | 0.30% | 22th pct | 21th pct |
| Net interest margin | 3.61% | 59th pct | 43th pct |
| Cost of funds | 1.89% | 78th pct | 74th pct |
| Loan-to-share | 91.41% | 82th pct | 74th pct |
| Delinquency 60+ days | 0.18% | 10th pct | 3th pct |
| Net charge-off ratio | 0.18% | 17th pct | 3th pct |
| Loan growth YoY | 0.25% | 43th pct | 43th pct |
| Share growth YoY | 3.39% | 41th pct | 39th pct |
| Efficiency ratio | 88.85% | 87th pct | 85th pct |
structural peer set hash: 5059c503a55eee2cd6326a7957122ce6… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.