BlastPoint's Credit Union Scorecard
INTOUCH
Charter #68505 · TX
INTOUCH has 4 strengths but faces 8 concerns
How does the industry compare?
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How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 10.3% in tier
- + Members Per Employee (MPE): Top 5.1% in tier
- + Total Members: Top 7.7% in tier
- + AMR Growth Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.7% in tier
- - Membership Headwinds: Bottom 95.4% in tier
- - Stagnation Risk: Bottom 95.4% in tier
- - ROA 1.24% below tier average
- - Efficiency ratio 39.09% above tier (higher cost structure)
- - Delinquency rate 0.45% above tier average
- - Member decline: -7.7% YoY
- - Fee Income Per Member: Bottom 1.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
72,819
-7.7% YoY+1.9% QoQ
|
+21.3K |
51,500
+0.7% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Top 8.5% in tier |
| Assets |
$824.2M
-1.4% YoY+0.8% QoQ
|
$-41.4M |
$865.6M
+0.9% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
33% |
| Loans |
$660.8M
+5.5% YoY+0.7% QoQ
|
+$65.6M |
$595.3M
+1.6% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
68% |
| Deposits |
$742.6M
-2.2% YoY+1.9% QoQ
|
+$391K |
$742.2M
+0.6% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
51% |
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| ROA |
-0.5%
-74.6% YoY-370.3% QoQ
|
-1.2% |
0.8%
+45.0% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 0.1% in tier |
| NIM |
3.2%
+16.2% YoY+2.3% QoQ
|
-0.2% |
3.5%
+6.1% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
32% |
| Efficiency Ratio |
114.6%
-13.4% YoY+32.5% QoQ
|
+39.1% |
75.5%
-3.4% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 0.9% in tier |
| Delinquency Rate |
1.1%
-1.1% YoY-40.4% QoQ
|
+0.5 |
0.7%
-0.1% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
83% |
| Loan To Share |
89.0%
+7.9% YoY-1.2% QoQ
|
+8.4% |
80.6%
+0.7% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
69% |
| AMR |
$19,273
+9.7% YoY-0.5% QoQ
|
$-10K |
$28,908
+0.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 8.5% in tier |
| CD Concentration |
26.1%
+3.2% YoY-1.9% QoQ
|
+1.8% | 24.3% | 21.3% | 19.8% | 57% |
| Indirect Auto % |
6.5%
-50.2% YoY-16.7% QoQ
|
-7.3% | 13.8% | 6.9% | 7.7% | 47% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining 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)