TellerScore

Town & Country Federal Credit Union (NCUA charter #8486) is based in South Portland, Maine. Its Q2 2026 call report shows $621.2M in total assets and $523.9M in member shares and deposits and 6 offices.

Based on its Q2 2026 filing, Town & Country Federal Credit Union scores 59/100, which we describe as moderate. That is higher than only 19% of 1,341 credit unions with $100 million – $1 billion. Among 48 credit unions headquartered in Maine, it ranks 36th. Its strongest component is problem-loan coverage (94/100; 3.2%), and its lowest is earnings (33/100; 0.34%).

TellerScore · Q2 2026

Scorecard

Capital cushion35/100
Net worth ratio: 8.49%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.35%
Earnings33/100
Return on assets (annualized): 0.34%
Funding & liquidity69/100
Loans ÷ shares: 91.0% · 5.0% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.15%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (56 → 59), mostly because the earnings component improved by 9 points.

TellerScore
565860Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202456
Q4 202457
Q1 202556
Q2 202556
Q3 202557
Q4 202558
Q1 202660
Q2 202659
Net worth ratio
7.00%7.75%8.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.16%
Q3 20248.13%
Q4 20248.28%
Q1 20258.21%
Q2 20258.14%
Q3 20258.34%
Q4 20258.31%
Q1 20268.34%
Q2 20268.49%
Delinquent loans (60+ days)
0.18%0.28%0.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.33%
Q3 20240.37%
Q4 20240.32%
Q1 20250.27%
Q2 20250.32%
Q3 20250.33%
Q4 20250.30%
Q1 20260.18%
Q2 20260.35%
Return on assets
-0.08%0.13%0.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.02%
Q3 20240.11%
Q4 20240.19%
Q1 2025-0.08%
Q2 20250.10%
Q3 20250.25%
Q4 20250.33%
Q1 20260.30%
Q2 20260.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$621.2M8.49%0.35%0.34%91.0%
Q1 202660$627.6M8.34%0.18%0.30%91.4%
Q4 202558$623.7M8.31%0.30%0.33%93.5%
Q3 202557$610.9M8.34%0.33%0.25%94.3%
Q2 202556$615.9M8.14%0.32%0.10%92.6%
Q1 202556$607.4M8.21%0.27%-0.08%91.6%
Q4 202457$603.1M8.28%0.32%0.19%93.6%
Q3 202456$606.7M8.13%0.37%0.11%89.8%
Q2 202457$599.1M8.16%0.33%0.02%84.8%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.49%
7th
Problem loans0.35%
78th
Net charge-offs0.17%
74th
Return on assets0.34%
20th
Loans to deposits91.0%
15th
Uninsured deposits5.0%
60th
Loan-loss reserves0.00%
50th
Texas ratio3.2%
59th

Similar-size credit unions in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
Evergreen Credit UnionCredit union Portland, ME55 out of 100, Moderate$644.5M8.0%1.05%vs
University Credit UnionCredit union Orono, ME60 out of 100, Moderate$538.5M9.4%0.61%vs
The County Federal Credit UnionCredit union Presque Isle, ME66 out of 100, Moderate$529.8M10.7%0.58%vs
Dirigo Federal Credit UnionCredit union Lewiston, ME59 out of 100, Moderate$498.2M10.1%0.93%vs
Cumberland County Federal Credit UnionCredit union Falmouth, ME68 out of 100, Moderate$494.0M10.1%0.90%vs
Maine State Credit UnionCredit union Augusta, ME59 out of 100, Moderate$805.9M9.8%0.79%vs

Deposit insurance

Is my money safe at Town & Country Federal Credit Union?

Yes. Town & Country Federal Credit Union is a federally insured credit union (NCUA charter #8486). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.0% of shares and deposits ($26.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.49%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Town & Country Federal Credit Union lists 6 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Town & Country Federal Credit Union reported 937 home-loan applications under HMDA (LEI 549300BKCQISE9PR4J88): 648 originated ($90,310,000 total), 161 denied, and 76 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Town & Country Federal Credit Union
Type
Federal credit union
NCUA charter #
8486
RSSD ID
233086
Primary regulator
NCUA
Established
1953
Headquarters
Po Box 9420, South Portland, ME 04116
Employees
126

Quick answers

Town & Country Federal Credit Union: common questions

Is Town & Country Federal Credit Union NCUA insured?

Yes. Town & Country Federal Credit Union is a federally insured credit union (NCUA charter #8486). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Town & Country Federal Credit Union's TellerScore?

59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Town & Country Federal Credit Union have?

6 offices as of the latest NCUA data.