State credit union · PLANO, Texas · NCUA charter #68505
Intouch
Health score 54/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $817.9M
- Total assets
- 71,487
- Members
- 8.1%
- Net-worth ratio
Intouch - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68505 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Intouch - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)84
- Asset quality (delinquency)53
- Earnings (ROA)0
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 54/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
8.11% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.11% | 30% |
| Delinquency Rate | 1.90% | 25% |
| Return on Assets | -1.53% | 15% |
| Member Growth | -9.67% | 15% |
| Loan-to-Share Ratio | 90.05% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Intouch
Charter #68505, peer group Over $500M, a cohort of 749 similarly-sized institutions: that's Intouch, a state credit union in PLANO, Texas with 71,487 members, $817.9M in total assets, and $656.4M in outstanding loans as of Q4 2025. The five-factor composite scores it 54/100 (Fair), helped by a net worth ratio of 8.11% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 90.05% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 1.90% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Return on assets stands at -1.53% on net income of $-12491161 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -9.67%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Intouch financially healthy?
A 8.11% net worth ratio and a 1.90% delinquency rate feed into Intouch's financial health score of 54/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Intouch compare to other credit unions?
Five weighted metrics from NCUA filings produce Intouch's 54/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Intouch are 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 8.11% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Intouch offer compared to banks?
Credit unions like Intouch are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Intouch directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.