State credit union · PLANO, Texas · NCUA charter #68505
INTOUCH
Health score 54/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $817.9M
- Total assets
- 71,487
- Members
- 8.4%
- Net-worth ratio
INTOUCH scores 54/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $817.9M; members 71,487; net-worth ratio 8.43%; health rank #4,209 of 4,374; healthier than 4th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,209 of 4,374 health · 2025Q4INTOUCH · health 54/100 · $817.9M · 2025Q4
Call Report peers
INTOUCH in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
INTOUCH vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); INTOUCH sits in 50-54 with 82 others.
54 4th percentile higher than 4% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
INTOUCH: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 90.05% vs peer 83.90% (+6.15 pp).
- Largest lag: Net Worth Ratio at 8.43% vs peer 11.18% (-2.75 pp).
INTOUCH in Texas
- Texas health ordinal: #372 of 386.
- Assets rank #45 of 386 inside Texas ($817.9M reported).
- Member book place in Texas: #34 of 386.
- One place up in Texas, Southwest Financial (#371) ties at 54/100; one place down, Mobility Credit Union (#373) ties at 54/100.
INTOUCH Call Report trajectory
INTOUCH: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $817.9M (2025Q4) to $824.2M (2026Q1).
- Net-worth ratio shifted -0.28 pp (8.71% → 8.43%).
8.43% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 54/100 score is built
INTOUCH gives up 46 points in total. Return on Assets costs the most, 15 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 26.1 pts
- Delinquency Rate 13.3 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for INTOUCH
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.43% | -2.75 pp |
| Delinquency Rate | 1.90% | +1.02 pp |
| Return on Assets | -1.53% | -2.04 pp |
| Member Growth | -9.67% | - |
| Loan-to-Share Ratio | 90.05% | +6.15 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
INTOUCH filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $824.2M | - |
| 2025Q4 | $817.9M | 71,487 |
| 2024Q4 | $834.4M | 79,137 |
| 2023Q4 | $920.4M | 86,649 |
Credit Union Details
- Charter Number
- 68505
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- PLANO
- Data Quarter
- 2025Q4
Branch Locations (11)
Per its most recent NCUA branch filing, INTOUCH runs 11 offices in 8 different cities across 3 states.
| Office | City |
|---|---|
| Democracy (Main Office) | Plano, TX |
| Warren | Frisco, TX |
| Green Valley | Henderson, NV |
| Cadence (Smith's Marketplace) | Henderson, NV |
| Buffalo (Albertsons) | Las Vegas, NV |
| Mountains Edge | Las Vegas, NV |
| Madison Heights (Meijer) | Madison Heights, MI |
| McKinney | McKinney, TX |
| Cannery Corner | North Las Vegas, NV |
| Shepton | Plano, TX |
| Rochester Hills (Meijer) | Rochester Hills, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Cross-state Call Report peers for INTOUCH
Using this data
- INTOUCH ranks #4,209 of 4,374 nationally on financial health and #372 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Smart Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Smart Financial
Frequently Asked Questions
Is INTOUCH financially healthy?
On its 2025Q4 NCUA 5300 filing, INTOUCH scores 54/100 (Fair), with a 8.43% net worth ratio and 1.90% of loans delinquent. It ranks #4,209 of 4,374 nationally on health and #372 of 386 in Texas.
How does INTOUCH compare to other credit unions?
INTOUCH scores 54/100, higher than 4% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (90.05% vs 83.90%). Its widest shortfall is net worth ratio (8.43% vs 11.18%).
How can I join INTOUCH?
Membership eligibility for INTOUCH depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact INTOUCH directly for current membership requirements and application steps.
Is my money safe at INTOUCH?
INTOUCH is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. INTOUCH's net worth ratio of 8.43% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.