INTOUCH

Charter #68505 | TX

750M-1B (112 CUs) Community (281 CUs)
12 750M-1B in TX

INTOUCH has 4 strengths but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 3.3% in tier
  • + Relationship Depth Leader: Top 3.4% 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
 26th in tier
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
 56th in tier
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
 46th in tier
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
 29th in tier
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
 Top 24.1% in tier
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
 61st in tier
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
 56th in tier
Indirect Auto % 9.3%
-44.4% YoY-14.1% QoQ
 -4.7% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 52nd in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#91 of 1006 • Top 3.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 11.23%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#95 of 1006 • Top 3.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 11.23%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.0K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (4)

Membership Headwinds

decline
#24 of 550 • Bottom 1.4% in tier

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

Why This Signature
Member Growth (YoY): -12.37%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Institutional Decline

decline
#40 of 256 • Bottom 5.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $808.46M
(Tier: $859.01M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -12.37%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -1.39%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 281 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank worsening

Stagnation Risk

risk
#367 of 550 • Bottom 22.2% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: -0.05%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -12.37%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $19.1K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 26.14%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Efficiency Drag

risk
#440 of 521 • Bottom 24.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 89.04%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.98% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -12.37%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

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)

Comparing against 112 peers in tier

Top Strengths (3 metrics)

8
AMR Growth Rate
growth
Value: 11.23%
Peer Avg: 4.90%
#8 of 112 Top 6.2% in 750M-1B tier
11
Members Per Employee (MPE)
engagement
Value: 510.171
Peer Avg: 361.634
#11 of 112 Top 8.9% in 750M-1B tier
13
Total Members
engagement
Value: 71,424
Peer Avg: 52,114
#13 of 112 Top 10.7% in 750M-1B tier

Top Weaknesses (12 metrics)

111
Member Growth Rate
growth
Value: -12.37%
Peer Avg: 1.14%
#111 of 112 Bottom 1.8% in 750M-1B tier
110
Deposit Growth Rate
growth
Value: -3.52%
Peer Avg: 5.03%
#110 of 112 Bottom 2.7% in 750M-1B tier
107
Asset Growth Rate
growth
Value: -4.99%
Peer Avg: 4.25%
#107 of 112 Bottom 5.4% in 750M-1B tier
105
Efficiency Ratio
profitability
Value: 89.04%
Peer Avg: 74.52%
#105 of 112 Bottom 7.1% in 750M-1B tier
104
Return on Assets (ROA)
profitability
Value: -0.05%
Peer Avg: 0.71%
#104 of 112 Bottom 8.0% in 750M-1B tier
103
Average Member Relationship (AMR)
engagement
Value: $19,093
Peer Avg: $28,651
#103 of 112 Bottom 8.9% in 750M-1B tier
99
First Mortgage Concentration (%)
balance_sheet
Value: 49.80%
Peer Avg: 33.64%
#99 of 112 Bottom 12.5% in 750M-1B tier
98
Net Worth Ratio
risk
Value: 8.50%
Peer Avg: 11.52%
#98 of 112 Bottom 13.4% in 750M-1B tier
92
Loan-to-Member Ratio (LMR)
engagement
Value: $8,982
Peer Avg: $12,810
#92 of 112 Bottom 18.8% in 750M-1B tier
91
Loan Growth Rate
growth
Value: -1.39%
Peer Avg: 4.84%
#91 of 112 Bottom 19.6% in 750M-1B tier