Town & Country Credit Union

Nonprofit profile at a glance

Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.

13 people listed

MORTGAGE LOAN OFFICERS2 INDIVIDUALS (MORTGAGE LOAN ORIGINATOR): $668,914 total reported compensation
JAY LANDSIEDEL (CFO): $495,562 total reported compensation
KALLI SCHELL (CEO): $465,884 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.

The mission of town & country credit union is to build trusted financial relationships through personalized service.

Non-profit organization providing financial services to a field of membership.

Revenue model: Other-operating. 89% of the money available for current operations came from other operating revenue.
Distribution model: Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.

- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.

Consistency checks: 100%; rating input score 100; 62nd percentile among comparable filings
Pay-setting controls: 2 of 6 controls in place; rating input score 33
- Compensation committee: Missing
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Pass
- Board or committee approval: Pass
Foreign activity oversight: Limited
Grant itemization coverage: Limited
Major donor itemization: Limited
Related-party transparency: Yes; rating input score 100

Independent voting board: 100%; rating input score 100; 66th percentile among comparable filings
Governance controls: 8 of 9 controls in place; rating input score 89
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass

Operating margin: 11.6%; rating input score 71; 71st percentile among comparable filings
Total-asset coverage ratio: 17.73; rating input score 95; 95th percentile among comparable filings
Liabilities to assets ratio: 0.88; rating input score 11; 11th percentile among comparable filings
Officer compensation ratio: 6.5%; rating input score 39; 39th percentile among comparable filings

Program expense growth: Limited
Revenue growth: 6.4% per year; rating input score 100; 55th percentile among comparable filings
Asset growth: 7.1% per year; rating input score 100; 50th percentile among comparable filings

Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
Governance: 7 of 7 board members independent · 8 of 9 filing controls reported
Programs: 1 filed program accomplishment
Leadership: top reported pay $669K · 13 people listed · 2 of 6 pay-setting controls reported
Highest-paid contractors: 5 contractors listed · $1.7M reported
Consistency: 11 of 11 current checks pass
Schedules: 4 filed schedules · includes executive pay and related organizations
Filing history: 14 filing years from 2010 to 2024
Contacts: How to reach this organization
Money network: 6 filed money-flow records
Related organizations: 1 filed related-organization link
Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
People: Everyone the filings name, and which of them the filings identify by more than a name.
Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.

Signals prioritize questions for review. They are not findings of misconduct.

Review — Accountability: Governance controls: Form 990 shared with the board not reported.
High — Sustainability: Liabilities to assets ratio scored 11/100.
Moderate — Sustainability: Officer compensation ratio scored 39/100.