BlastPoint's Credit Union Scorecard
INTOUCH
Charter #68505 · TX
INTOUCH has 3 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.14% above tier average
- + Members Per Employee (MPE): Top 6.3% in tier
- + Total Members: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 31.0% in tier
- - Credit Risk Growth: Bottom 53.0% in tier
- - Stagnation Risk: Bottom 79.4% in tier
- - Membership Headwinds: Bottom 79.4% in tier
- - Efficiency ratio 3.89% above tier (higher cost structure)
- - Delinquency rate 0.58% above tier average
- - Member decline: -2.7% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 10 that size in Texas.
- Shares and deposits +1.5% year over year ($744M in shares and deposits).
- Membership: 71,872 members, -2.7% vs a year ago.
- Delinquency rate 1.38%.
- Return on assets 0.98%.
- Efficiency ratio 78.43% vs a 74.54% peer average.
- Loan-to-share ratio 88.88% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
71,872
-2.7% YoY-1.3% QoQ
|
+19.4K |
52,482
+1.3% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Top 9.9% in tier |
| Assets |
$837.4M
+3.3% YoY+1.6% QoQ
|
$-26.6M |
$863.9M
+0.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
41% |
| Loans |
$661.4M
+2.7% YoY+0.1% QoQ
|
+$53.6M |
$607.8M
+2.1% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
64% |
| Deposits |
$744.2M
+1.5% YoY+0.2% QoQ
|
+$4.3M |
$739.9M
+0.2% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
52% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.0%
-226.6% YoY-307.5% QoQ
|
+0.1% |
0.8%
+30.4% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
61% |
| NIM |
3.2%
+11.3% YoY+1.4% QoQ
|
-0.3% |
3.5%
+6.2% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
30% |
| Efficiency Ratio |
78.4%
-22.6% YoY-31.6% QoQ
|
+3.9% |
74.5%
-1.4% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
59% |
| Delinquency Rate |
1.4%
+12.4% YoY+21.6% QoQ
|
+0.6 |
0.8%
+1.0% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
83% |
| Loan To Share |
88.9%
+1.3% YoY-0.1% QoQ
|
+6.3% |
82.6%
+1.9% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
61% |
| AMR |
$19,557
+4.9% YoY+1.5% QoQ
|
$-9K |
$28,702
+0.4% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 11.7% in tier |
| CD Concentration |
27.5%
+6.6% YoY+5.5% QoQ
|
+2.9% | 24.6% | 21.6% | 20.0% | 62% |
| Indirect Auto % |
5.3%
-50.9% YoY-18.0% QoQ
|
-8.3% | 13.6% | 6.9% | 7.7% | 46% |
Signature Analysis
Strengths (0)
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)