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Town & Country Credit Union

Organization summary

Type of Nonprofit

Designated as a State-chartered credit unions and mutual reserve funds.

Donations to this organization are not tax deductible.

Summary charts: organization finances over time

Revenue
$29.5M (2022)

Expenses
$25M (2022)

Total Assets
$638M (2022)

Total Liabilities
$558M (2022)

Source: Form 990 tax filings from 2011 to 2022

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$29,514,851
Expenses
$25,000,066
Net Income
$4,514,785
Net Assets
$79,583,591
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $28,033,911
95.0%
Investment Income $2,160,587
7.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $112,881
0.4%
Net Fundraising $0
Sales of Assets -$792,528
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $530,482
2.1%
Professional Fundraising Fees $0
Other Salaries and Wages $11,431,143
45.7%
Assets/Debt
Total Assets $637,609,134
Total Liabilities $558,025,543
Net Assets $79,583,591
Compensation
Key Employees and Officers Compensation Related Other
Mortgage Loan Officers3 Individuals (Mortgage Loan Originator) $839,069 $0 $153,087
Kalli Schell (Coo) $301,372 $0 $45,586
Jay Landsiedel (Cfo) $279,599 $0 $28,043
Fred Beuchler (Clo) $254,842 $0 $46,382
Jeremiah Kossen (Former Ceo) $250,883 $0 $25,104
Adam Silbernagel (Cio) $248,263 $0 $42,287
Jay Hight (Director) $0 $0 $0
Brian Nelson (Director) $0 $0 $0
David Ripplinger (Director) $0 $0 $0
Jim Anderson (Director) $0 $0 $0
Delrae Geinert (Chair) $0 $0 $0
Jeff Stremick (Secretary/Treasurer) $0 $0 $0
Kevin Harmon (Vice Chairman) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$30,613,353
Expenses
$25,310,611
Net Income
$5,302,742
Net Assets
$74,553,215
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $30,339,767
99.1%
Investment Income $160,883
0.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $116,868
0.4%
Net Fundraising $0
Sales of Assets -$4,165
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $760,380
3.0%
Professional Fundraising Fees $0
Other Salaries and Wages $12,493,857
49.4%
Assets/Debt
Total Assets $639,797,460
Total Liabilities $565,244,245
Net Assets $74,553,215
Compensation
Key Employees and Officers Compensation Related Other
Mortgage Loan Officers5 Individuals (Mortgage Loan Originator) $2,084,872 $0 $206,827
Jeremiah Kossen (Ceo) $518,900 $0 $48,313
Jay Landsiedel (Cfo) $241,481 $0 $27,122
Jim Anderson (Director) $0 $0 $0
Delrae Geinert (Chair) $0 $0 $0
Jeff Stremick (Secretary/Treasurer) $0 $0 $0
Kevin Harmon (Vice Chairman) $0 $0 $0
Leah Dalton (Director) $0 $0 $0
Jay Hight (Director) $0 $0 $0
Brian Nelson (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$30,720,921
Expenses
$26,686,672
Net Income
$4,034,249
Net Assets
$69,358,623
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $30,350,153
98.8%
Investment Income $267,842
0.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $130,642
0.4%
Net Fundraising $0
Sales of Assets -$27,716
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $775,327
2.9%
Professional Fundraising Fees $0
Other Salaries and Wages $12,799,893
48.0%
Assets/Debt
Total Assets $565,613,421
Total Liabilities $496,254,798
Net Assets $69,358,623
Compensation
Key Employees and Officers Compensation Related Other
Mortgage Loan Officers4 Individuals (Mortgage Loan Originator) $1,731,522 $0 $183,756
Jeremiah Kossen (Ceo) $538,351 $0 $47,048
Roseann Lund (Svp Mortgage) $352,483 $0 $20,555
Jay Landsiedel (Cfo) $236,976 $0 $28,532
Jim Anderson (Vice Chairman) $0 $0 $0
Delrae Geinert (Chair) $0 $0 $0
Jeff Stremick (Secretary/Treasurer) $0 $0 $0
Kevin Harmon (Director) $0 $0 $0
Leah Dalton (Director) $0 $0 $0
Jay Hight (Director) $0 $0 $0
Brian Nelson (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$26,821,573
Expenses
$24,011,787
Net Income
$2,809,786
Net Assets
$65,331,270
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $26,264,959
97.9%
Investment Income $388,056
1.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $134,615
0.5%
Net Fundraising $0
Sales of Assets $33,943
0.1%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $739,772
3.1%
Professional Fundraising Fees $0
Other Salaries and Wages $10,674,870
44.5%
Assets/Debt
Total Assets $485,723,542
Total Liabilities $420,392,272
Net Assets $65,331,270
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Mortgage Loan Officers4 Individuals (Mortgage Loan Originator) $881,967 $0 $161,648
Jeremiah Kossen (Ceo) $505,391 $0 $44,523
Jay Landsiedel (Cfo) $234,056 $0 $32,680
Adam Silbernagel (Chief Information Officer) $207,937 $0 $36,283
Jim Anderson (Vice Chairman) $0 $0 $0
Delrae Geinert (Chair) $0 $0 $0
Jeff Stremick (Secretary/Treasurer) $0 $0 $0
Kevin Harmon (Director) $0 $0 $0
Leah Dalton (Director) $0 $0 $0
Jay Hight (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$23,908,102
Expenses
$20,559,850
Net Income
$3,348,252
Net Assets
$62,745,247
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $23,452,114
98.1%
Investment Income $456,831
1.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $227,351
1.0%
Net Fundraising $0
Sales of Assets -$228,194
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $575,252
2.8%
Professional Fundraising Fees $0
Other Salaries and Wages $9,354,955
45.5%
Assets/Debt
Total Assets $441,051,760
Total Liabilities $378,306,513
Net Assets $62,745,247
Compensation
Key Employees and Officers Compensation Related Other
Jeremiah Kossen (Ceo) $311,760 $0 $42,097
Renee Freeman (Mortgage Loan Originator) $252,726 $0 $28,583
Peter Johnson (Mortgage Loan Originator) $237,808 $0 $35,857
Mark Larson (Senior Vp Of Business Lend) $226,807 $0 $35,293
Jay Landsiedel (Cfo) $195,271 $0 $26,124
Adam Silbernagel (Chief Information Officer) $174,056 $0 $31,212
Renata Buen (Executive Mortgage Officer) $168,232 $0 $39,297
Ray Kopp (Vice Chairman) $0 $0 $0
Jim Anderson (Secretary/Treasurer) $0 $0 $0
Delrae Geinert (Chair) $0 $0 $0
Joanne Lautenschlager (Director) $0 $0 $0
Jeri Novak (Director) $0 $0 $0
Jeff Stremick (Director) $0 $0 $0
Jerry Hatlestad (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$22,321,623
Expenses
$19,253,156
Net Income
$3,068,467
Net Assets
$59,421,575
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $21,728,468
97.3%
Investment Income $378,971
1.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $238,695
1.1%
Net Fundraising $0
Sales of Assets -$24,511
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $939,866
4.9%
Professional Fundraising Fees $0
Other Salaries and Wages $8,145,277
42.3%
Assets/Debt
Total Assets $415,506,047
Total Liabilities $356,084,472
Net Assets $59,421,575
Compensation
Key Employees and Officers Compensation Related Other
Darrell Olson (Ceo (Retired During 2017)) $547,012 $0 $32,977
Spencer Hoover (Senior Vp Of Business Deve) $379,538 $0 $22,247
Renee Freeman (Mortgage Loan Originator) $329,648 $0 $29,163
Peter Johnson (Mortgage Loan Originator) $246,625 $0 $35,366
Michael Heidt (Chief Credit Officer) $217,651 $0 $28,783
Jay Landsiedel (Cfo) $194,785 $0 $26,108
Mark Larson (Senior Vp Of Business Lending) $183,348 $0 $32,668
Jeremiah Kossen (Current Ceo) $126,829 $0 $12,155
Ray Kopp (Vice Chairman) $0 $0 $0
Jim Anderson (Director) $0 $0 $0
Delrae Geinert (Director) $0 $0 $0
Randy Arneson (Secretary/Treasurer) $0 $0 $0
Jerry Hatlestad (Director) $0 $0 $0
Joanne Lautenschlager (Chairman) $0 $0 $0
Jeri Novak (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$23,791,728
Expenses
$19,183,426
Net Income
$4,608,302
Net Assets
$56,406,002
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $23,510,366
98.8%
Investment Income $54,129
0.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $227,233
1.0%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $794,254
4.1%
Professional Fundraising Fees $0
Other Salaries and Wages $8,699,430
45.3%
Assets/Debt
Total Assets $391,565,497
Total Liabilities $335,159,495
Net Assets $56,406,002
Compensation
Key Employees and Officers Compensation Related Other
Darrell Olson (Ceo) $557,208 $0 $26,746
Spencer Hoover (Senior Vp Of Business Deve) $357,768 $0 $21,386
Renee Freeman (Mortgage Loan Originator) $336,434 $0 $24,238
Renata Buen (Mortgage Loan Originator) $222,283 $0 $31,786
Jill Lohnes (Mortgage Loan Originator) $209,280 $0 $24,413
Michael Heidt (Cheif Credit Officer) $202,404 $0 $21,690
Jay Landsiedel (Cfo) $189,820 $0 $20,480
Ray Kopp (Director) $0 $0 $0
Jim Anderson (Vice Chairman) $0 $0 $0
Gordon Olson (Chairman) $0 $0 $0
Randy Arneson (Secretary/Treasurer) $0 $0 $0
Jerry Hatlestad (Director) $0 $0 $0
Joanne Lautenschlager (Director) $0 $0 $0
Jeri Novak (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$24,033,819
Expenses
$18,530,545
Net Income
$5,503,274
Net Assets
$51,890,729
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $23,895,774
99.4%
Investment Income $25,508
0.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $113,908
0.5%
Net Fundraising $0
Sales of Assets -$1,371
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $754,427
4.1%
Professional Fundraising Fees $0
Other Salaries and Wages $8,891,663
48.0%
Assets/Debt
Total Assets $384,292,643
Total Liabilities $332,401,914
Net Assets $51,890,729
Compensation
Key Employees and Officers Compensation Related Other
Darrell Olson (Ceo) $523,599 $0 $28,527
Renee Freeman (Mortgage Loan Originator) $354,024 $0 $23,512
Spencer Hoover (Senior Vp Of Business Deve) $315,212 $0 $23,512
Renata Buen (Mortgage Loan Originator) $268,820 $0 $23,189
Jill Lohnes (Mortgage Loan Originator) $246,518 $0 $26,890
Michael Heidt (Cheif Credit Officer) $198,631 $0 $20,653
Jay Landsiedel (Cfo) $184,530 $0 $17,771
Ray Kopp (Director) $0 $0 $0
Jim Anderson (Vice Chairman) $0 $0 $0
Gordon Olson (Chairman) $0 $0 $0
Randy Arneson (Secretary/Treasurer) $0 $0 $0
Jerry Hatlestad (Director) $0 $0 $0
Joanne Lautenschlager (Director) $0 $0 $0
Jeri Novak (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$22,259,749
Expenses
$17,315,048
Net Income
$4,944,701
Net Assets
$46,384,664
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $22,192,424
99.7%
Investment Income $14,856
0.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $52,469
0.2%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $643,659
3.7%
Professional Fundraising Fees $0
Other Salaries and Wages $7,765,095
44.8%
Assets/Debt
Total Assets $367,304,807
Total Liabilities $320,920,143
Net Assets $46,384,664
Compensation
Key Employees and Officers Compensation Related Other
Darrell Olson (Ceo) $445,489 $0 $23,394
Spencer Hoover (Senior Vp Of Business Development) $286,407 $0 $20,783
Renata Buen (Mortgage Loan Originator) $230,898 $0 $18,559
Jill Lohnes (Mortgage Loan Originator) $213,485 $0 $19,951
Renee Freeman (Mortgage Loan Originator) $203,831 $0 $16,752
Michael Heidt (Cheif Credit Officer) $179,540 $0 $16,085
Jay Landsiedel (Cfo) $160,099 $0 $14,677
Ray Kopp (Chairman) $0 $0 $0
Jim Anderson (Vice Chairman) $0 $0 $0
Gordon Olson (Secretary/Treasurer) $0 $0 $0
Randy Arneson (Director) $0 $0 $0
Jerry Hatlestad (Director) $0 $0 $0
Joanne Lautenschlager (Director) $0 $0 $0
Jeri Novak (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$20,566,901
Expenses
$15,035,143
Net Income
$5,531,758
Net Assets
$41,446,571
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $20,473,338
99.5%
Investment Income $14,558
0.1%
Bond Proceeds $0
Royalties $0
Rental Property Income -$26,413
Net Fundraising $0
Sales of Assets $105,418
0.5%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $569,520
3.8%
Professional Fundraising Fees $0
Other Salaries and Wages $6,335,780
42.1%
Assets/Debt
Total Assets $347,013,729
Total Liabilities $305,567,158
Net Assets $41,446,571
Compensation
Key Employees and Officers Compensation Related Other
Darrell Olson (Ceo) $386,710 $0 $22,334
Spencer Hoover (Vp Region I) $342,416 $0 $19,986
Renee Freeman (Mortgage Loan Originator) $300,972 $0 $22,834
Renata Buen (Mortgage Loan Originator) $242,088 $0 $19,439
Jill Lohnes (Mortgage Loan Originator) $217,269 $0 $25,807
Mike Heidt (Chief Credit Officer) $173,240 $0 $17,611
Jay Landsiedel (Cfo) $141,181 $0 $19,295
Randall Arneson (Chair) $0 $0 $0
Raymond Kopp (Vice Chair) $0 $0 $0
Gordon Olson (Secretary/ Treasurer) $0 $0 $0
Jerry Hatlestad (Director) $0 $0 $0
Teresa Sundsbak (Director) $0 $0 $0
Joanne Lautenschlager (Director) $0 $0 $0
James Anderson (Director) $0 $0 $0
Jerri Novak (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$20,253,181
Expenses
$14,995,804
Net Income
$5,257,377
Net Assets
$36,066,354
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $20,246,177
100.0%
Investment Income $31,420
0.2%
Bond Proceeds $0
Royalties $0
Rental Property Income -$5,785
Net Fundraising $0
Sales of Assets -$18,631
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $470,903
3.1%
Professional Fundraising Fees $0
Other Salaries and Wages $5,860,391
39.1%
Assets/Debt
Total Assets $328,533,907
Total Liabilities $292,467,553
Net Assets $36,066,354

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$17,165,512
Expenses
$13,200,953
Net Income
$3,964,559
Net Assets
$30,933,354
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $17,100,308
99.6%
Investment Income $52,490
0.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $7,337
0.0%
Net Fundraising $0
Sales of Assets $5,377
0.0%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $425,609
3.2%
Professional Fundraising Fees $0
Other Salaries and Wages $4,726,748
35.8%
Assets/Debt
Total Assets $296,875,574
Total Liabilities $265,942,220
Net Assets $30,933,354

Document Links

Fiscal Year Ending Dec.
2010

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2009

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2008

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2007

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2006

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2005

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2004

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

About This Data

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes EINs and summary financials as structured data.
  • Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
  • Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
  • Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
  • Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

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