BlastPoint's Credit Union Scorecard

INTOUCH

Charter #68505 · TX

Community 750M-1B

117 CUs in 750M-1B nationally 11 in TX

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INTOUCH has 2 strengths but faces 15 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

+ Wallet Share Momentum: Top 24.2% in tier
+ Total Members: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 7.4% in tier
- Stagnation Risk: Bottom 18.6% in tier
- Credit Quality Pressure: Bottom 24.3% in tier
- Credit Risk Growth: Bottom 39.8% in tier
- Efficiency Drag: Bottom 92.5% in tier
- Liquidity Strain: Bottom 94.3% in tier
- ROA 0.57% below tier average
- Efficiency ratio 12.15% above tier (higher cost structure)
- Delinquency rate 1.02% above tier average
- Member decline: -9.7% YoY
- Member Growth Rate: Bottom 2.6% in tier
- Deposit Growth Rate: Bottom 4.3% in tier
- Asset Growth Rate: Bottom 6.8% in tier
- Total Delinquency Rate (60+ days): Bottom 7.7% in tier
- Average Member Relationship (AMR): Bottom 9.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	71,487 -9.7% YoY+0.1% QoQ	+19.4K	52,084 -1.6% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	Top 10.3% in tier
Assets	$817.9M -2.0% YoY+1.2% QoQ	$-46.0M	$863.9M +0.5% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	34%
Loans	$656.4M +4.0% YoY+2.3% QoQ	+$50.6M	$605.8M +1.4% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	61%
Deposits	$728.9M -3.3% YoY+0.9% QoQ	$-8.4M	$737.3M +0.1% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	49%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.2% -111.8% YoY-466.9% QoQ	-0.6%	0.7% +39.1% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	Bottom 11.1% in tier
NIM	3.1% +12.8% YoY+2.4% QoQ	-0.3%	3.4% +8.7% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	31%
Efficiency Ratio	86.5% -23.1% YoY-2.9% QoQ	+12.1%	74.3% -3.6% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	Top 9.4% in tier
Delinquency Rate	1.9% +26.2% YoY+68.5% QoQ	+1.0	0.9% +3.8% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	Top 7.7% in tier
Loan To Share	90.0% +7.5% YoY+1.4% QoQ	+7.5%	82.6% +1.1% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	64%
AMR	$19,378 +10.7% YoY+1.5% QoQ	$-9K	$28,873 +2.7% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	Bottom 8.5% in tier
CD Concentration	26.6% +0.5% YoY+1.6% QoQ	+2.1%	24.4%	21.2%	19.8%	58%
Indirect Auto %	7.8% -48.1% YoY-16.3% QoQ	-6.0%	13.8%	7.1%	7.8%	49%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#125 of 513 • Top 24.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 10.74%

(Tier: 4.17%, National: 4.00%)

better than tier avg

662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (6)

Membership Headwinds

decline

#42 of 554 • Bottom 7.4% in tier

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

Why This Signature

Member Growth (YoY): -9.67%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#104 of 554 • Bottom 18.6% 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): -9.67%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 3.98%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.90%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk

#172 of 705 • Bottom 24.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.39% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Credit Risk Growth

risk

#182 of 456 • Bottom 39.8% in tier

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

Why This Signature

Loan Growth (YoY): 3.98%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.39% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

665 nationally

→ No prior data (456 CUs now) | New qualifier

Efficiency Drag

risk

#498 of 538 • Bottom 92.5% in tier

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

Why This Signature

Efficiency Ratio: 86.49%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 1.66% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -9.67%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Liquidity Strain

risk

#215 of 228 • Bottom 94.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.05%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 3.98%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 282 Community CUs have this signature | 439 nationally

↓ Shrinking -37 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 117 peers in tier

Top Strengths (3 metrics)

Total Members

engagement

Value: 71,487

Peer Median: -

#12 of 117 Top 9.4% in 750M-1B tier

AMR Growth Rate

growth

Value: 10.74%

Peer Median: -

#13 of 117 Top 10.3% in 750M-1B tier

Members Per Employee (MPE)

engagement

Value: 493.014

Peer Median: -

#13 of 117 Top 10.3% in 750M-1B tier

Top Weaknesses (11 metrics)

115

Member Growth Rate

growth

Value: -9.67%

Peer Median: -

#115 of 117 Bottom 2.6% in 750M-1B tier

113

Deposit Growth Rate

growth

Value: -3.27%

Peer Median: -

#113 of 117 Bottom 4.3% in 750M-1B tier

110

Asset Growth Rate

growth

Value: -1.97%

Peer Median: -

#110 of 117 Bottom 6.8% in 750M-1B tier

109

Total Delinquency Rate (60+ days)

risk

Value: 1.90%

Peer Median: -

#109 of 117 Bottom 7.7% in 750M-1B tier

107

Efficiency Ratio

profitability

Value: 86.49%

Peer Median: -

#107 of 117 Bottom 9.4% in 750M-1B tier

107

Average Member Relationship (AMR)

engagement

Value: $19,378

Peer Median: -

#107 of 117 Bottom 9.4% in 750M-1B tier

104

Return on Assets (ROA)

profitability

Value: 0.18%

Peer Median: -

#104 of 117 Bottom 12.0% in 750M-1B tier

101

Net Worth Ratio

risk

Value: 8.71%

Peer Median: -

#101 of 117 Bottom 14.5% in 750M-1B tier

First Mortgage Concentration (%)

balance_sheet

Value: 49.00%

Peer Median: -

#97 of 117 Bottom 17.9% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $9,182

Peer Median: -

#94 of 117 Bottom 20.5% in 750M-1B tier