BlastPoint's Credit Union Scorecard

INTOUCH

Charter #68505 · TX

Community 750M-1B

InTouch at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

InTouch is one of 101 credit unions in the 2026 VentureTech card set. We also found InTouch's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

InTouch

Turn your sound on

Tap a card to see it up close

INTOUCH
PEER · AT VENTURETECH
PEER · AT VENTURETECH
INTOUCH'S BIGGEST OPPORTUNITY

111 CUs in 750M-1B nationally 10 in TX

View Community leaderboard →

INTOUCH has 3 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

TX Analysis

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

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

#venturetech-pack #vt-pack-sealed,#venturetech-pack #vt-rip,#venturetech-pack .vt-tabs,#venturetech-pack #vt-panel-fighter,#venturetech-pack #vt-flipall,#venturetech-pack #vt-reseal,#venturetech-pack .vt-soundbtn{display:none!important} #venturetech-pack #vt-opened{display:block!important} #venturetech-pack #vt-cards .vt-card{visibility:visible!important;opacity:1!important;transform:none!important;animation:none!important}

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

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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)

No strengths identified

Concerns (4)

Stagnation Risk

risk

#234 of 549 • Bottom 79.4% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.67%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 2.74%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.38%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Membership Headwinds

decline

#266 of 549 • Bottom 79.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.67%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#400 of 693 • Bottom 31.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.15% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Credit Risk Growth

risk

#366 of 472 • Bottom 53.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.74%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.15% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

688 nationally

↑ Growing +32 CUs YoY | New qualifier

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)

Compare against:

Comparing against 111 peers in tier

Top Strengths (2 metrics)

Members Per Employee (MPE)

engagement

Value: 540.391

Peer Median: 322.694

#8 of 111 Top 6.3% in 750M-1B tier

Total Members

engagement

Value: 71,872

Peer Median: 52,842

#11 of 111 Top 9.0% in 750M-1B tier

Top Weaknesses (7 metrics)

Average Member Relationship (AMR)

engagement

Value: $19,557

Peer Median: $26,161

#98 of 111 Bottom 12.6% in 750M-1B tier

Total Delinquency Rate (60+ days)

risk

Value: 1.38%

Peer Median: 0.60%

#93 of 111 Bottom 17.1% in 750M-1B tier

Member Growth Rate

growth

Value: -2.67%

Peer Median: 1.14%

#92 of 111 Bottom 18.0% in 750M-1B tier

Net Worth Ratio

risk

Value: 8.95%

Peer Median: 10.80%

#92 of 111 Bottom 18.0% in 750M-1B tier

Deposit Growth Rate

growth

Value: 1.47%

Peer Median: 4.45%

#90 of 111 Bottom 19.8% in 750M-1B tier

First Mortgage Concentration (%)

balance_sheet

Value: 46.24%

Peer Median: 33.51%

#87 of 111 Bottom 22.5% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $9,203

Peer Median: $11,611

#87 of 111 Bottom 22.5% in 750M-1B tier