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
- NCUSIF 54/100
- CAMELS 8.4%
- HEALTH 1.90%
- NW -1.53%
- DELQ $817.9M
- ROA 71,487
- ASSETS #4,209/4,374
- MEM ATOMIC
- RANK 68505
Call Report peers
INTOUCH in the assets neighbourhood
INTOUCH's $817.9M assets sit next to ATOMIC ($816.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
54 4th percentile higher than 4% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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: 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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
INTOUCH Call Report trajectory
INTOUCH: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $817.9M (2025Q4) to $824.2M (2026Q1).
- Net-worth ratio shifted -0.28 pp (8.71% → 8.43%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 54.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
INTOUCH's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($817.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (54/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is INTOUCH financially healthy?
A 8.43% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,209 of 4,374; by total assets it ranks #544 of 4,374 nationally (same basis as /rankings/largest); and #45 of 386 within Texas. 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 8.43% 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.
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.