BlastPoint's Credit Union Scorecard
INTOUCH
Charter #68505 · TX
INTOUCH has 3 strengths but faces 12 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
- + Wallet Share Momentum: Top 18.8% in tier
- + AMR Growth Rate: Top 6.2% in tier
- + Members Per Employee (MPE): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 1.4% in tier
- - Institutional Decline: Bottom 5.0% in tier
- - Stagnation Risk: Bottom 22.2% in tier
- - Efficiency Drag: Bottom 24.9% in tier
- - ROA 0.76% below tier average
- - Efficiency ratio 14.52% above tier (higher cost structure)
- - Delinquency rate 0.31% above tier average
- - Member decline: -12.4% YoY
- - Member Growth Rate: Bottom 1.8% in tier
- - Deposit Growth Rate: Bottom 2.7% in tier
- - Asset Growth Rate: Bottom 5.4% in tier
- - Average Member Relationship (AMR): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
71,424
-12.4% YoY-3.3% QoQ
|
+19.3K |
52,114
-2.1% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Top 11.6% in tier |
| Assets |
$808.5M
-5.0% YoY-0.3% QoQ
|
$-50.5M |
$859.0M
+0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
26% |
| Loans |
$641.5M
-1.4% YoY-0.4% QoQ
|
+$38.1M |
$603.4M
+1.0% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
56% |
| Deposits |
$722.2M
-3.5% YoY-1.5% QoQ
|
$-12.0M |
$734.2M
+0.9% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
46% |
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| ROA |
-0.0%
-95.4% YoY-93.8% QoQ
|
-0.8% |
0.7%
+27.6% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 7.1% in tier |
| NIM |
3.1%
+13.6% YoY+4.9% QoQ
|
-0.3% |
3.4%
+9.6% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
29% |
| Efficiency Ratio |
89.0%
-14.9% YoY-12.2% QoQ
|
+14.5% |
74.5%
-3.2% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 7.1% in tier |
| Delinquency Rate |
1.1%
-25.2% YoY-8.0% QoQ
|
+0.3 |
0.8%
+5.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
76% |
| Loan To Share |
88.8%
+2.2% YoY+1.2% QoQ
|
+6.2% |
82.7%
+0.1% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
61% |
| AMR |
$19,093
+11.2% YoY+2.4% QoQ
|
$-10K |
$28,651
+2.5% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.0% in tier |
| CD Concentration |
26.1%
+1.0% YoY+1.4% QoQ
|
+1.7% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
56% |
| Indirect Auto % |
9.3%
-44.4% YoY-14.1% QoQ
|
-4.7% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
52% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)