# INTOUCH
PLANO, TX · NCUA charter 68505 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/intouch-68505

Who the members are: state charter, organized 1974. 72,819 members of 16,549,283 potential (0.4% of the field); checking penetration 34% (share draft accounts per 100 members); loans per 100 members 22.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $824.2M |
| Members | 72,819 (-7.7% YoY) |
| Full-time staff | 142 |
| Net worth | $69.6M |
| Net worth ratio | 8.4% (p12 of band) |
| ROA (annualized) | -0.47% (p2 of band) |
| Total delinquency | 1.13% (p83 of band) |
| Net charge-offs (annualized) | 0.69% (p74 of band) |
| Loans / shares | 89% (p75 of band) |
| Cash / assets | 2.9% |
| Borrowings / assets | 0.61% |
| Net interest margin | 3.20% (p32 of band) |
| Operating expense / assets | 3.93% (p67 of band) |
| Vehicles % of loans | 15% (p18 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 44% |
| Third-party paper % of net worth | 104% (p51 of band) |
| Vehicle delinquency | 3.14% (p99 of band) |
| Vehicle NCO | 2.59% (p92 of band) |
| Repossessed % of vehicle book | 0.20% (p80 of band) |
| Real estate % of loans | 63% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 121% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 26% |
| Average share balance | $7,309 |
| Participations bought / yr | $38.8M |
| Participations sold / yr | $35.3M |
| Participations outstanding | $128.4M |
| Loans outstanding per 100 members | 22% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $40,605 |
| Loans granted, annualized | $395.9M |

## Participation posture (from the same filings)

Bought $38.8M and sold $35.3M in the latest annualized quarter; $128.4M outstanding purchased (184.7% of net worth), $13.3M sold and retained. Sold in 1 and bought in 4 of the last 8 quarters. Shares -2.2% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | expense trap |  |
| 2017-06 | 4 | auto monoline |  |
| 2017-09 | 3 |  | net worth falling |
| 2017-12 | 3 | loans>95% of shares | expense trap |
| 2018-03 | 3 |  |  |
| 2018-06 | 6 | thin capital, net worth falling, leaning on borrowings |  |
| 2018-09 | 6 |  |  |
| 2018-12 | 7 | losing money |  |
| 2019-03 | 5 |  | net worth falling, losing money |
| 2019-06 | 6 | members leaving |  |
| 2019-09 | 7 | assets shrinking |  |
| 2019-12 | 6 | loan book shrinking | thin capital, leaning on borrowings |
| 2020-03 | 8 | thin capital, losing money, leaning on borrowings | auto monoline |
| 2020-06 | 8 | delinquency 2x band, delinquency rising, charge-offs p90 | loans>95% of shares, members leaving, assets shrinking |
| 2020-09 | 5 |  | loan book shrinking, losing money, delinquency rising |
| 2020-12 | 3 |  | delinquency 2x band, charge-offs p90 |
| 2021-03 | 4 | charge-offs p90 |  |
| 2021-06 | 3 |  | thin capital |
| 2021-09 | 2 |  | charge-offs p90 |
| 2021-12 | 2 |  |  |
| 2022-03 | 6 | thin capital, net worth falling, losing money, delinquency 2x band |  |
| 2022-06 | 7 | loans>95% of shares |  |
| 2022-09 | 8 | delinquency rising |  |
| 2022-12 | 7 |  | net worth falling |
| 2023-03 | 8 | assets shrinking |  |
| 2023-06 | 10 | charge-offs p90, members leaving |  |
| 2023-09 | 9 | loan book shrinking | leaning on borrowings, loans>95% of shares |
| 2023-12 | 7 |  | thin capital, delinquency rising |
| 2024-03 | 7 | expense trap | charge-offs p90 |
| 2024-06 | 7 | thin capital | expense trap |
| 2024-09 | 7 |  |  |
| 2024-12 | 8 | expense trap |  |
| 2025-03 | 7 | net worth falling | delinquency 2x band, expense trap |
| 2025-06 | 5 |  | loan book shrinking, net worth falling |
| 2025-09 | 5 |  |  |
| 2025-12 | 3 | delinquency 2x band | 3rd-party paper>100% NW, losing money, assets shrinking |
| 2026-03 | 4 | losing money, 3rd-party paper>100% NW | delinquency 2x band |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-03 [How InTouch Credit Union Empowers Members and Strengthens Communities - Local Profile](https://news.google.com/rss/articles/CBMiugFBVV95cUxPeHgxNTFLd0g3UFE2azVBUHB6NzlzclVUeFREU3NOU1BSMXN4T3pTSm1QZzdKNDhYVmp5Qks3LU9KaFJ6YUlrX2NHNk0zNUJEaEI3aFdobWtTSjZveThpb1dUZ1hfc2IwOF9CTHV1Nml4SlZwdnF5bGFpZmxuWlR4YXdHR0VzYkwxbWloWnhJRVJ4cnZ6cUpqRGQtZUhQb0N0cTRvM2Q4U0wxWG9kUGdVOS1pbllIdl9RX1E?oc=5) · Local Profile
- 2022-07-01 [InTouch Credit Union makes first donation towards $1 million goal to fight food insecurity - CUInsight](https://news.google.com/rss/articles/CBMiygFBVV95cUxNc0VhOFpYWWNleWk4WndOVVNnTV9fYm56N2lXNlZrSEh5eDFHMEM0cW5WYjdHV1lZNlV1dXM5MmVmV01pc0QyLTN6NHNGcWZPbW1KZkVXNzJJZlBxY0hyY0J3Qktwa0M0VGJSLTJic21WalVBZ3AzWkk0Vmx4dnh3d2JCNDZPRmtGcTlOMjVyRXlkeDR6WmttOURtc0JmSUtsYmJmc25KNGFYNEhsZEdXVUFya1hUa1lFLUhySEttdHVvMDQtNkRBWlpn?oc=5) · CUInsight
- 2019-09-25 [InTouch Credit Union Plano Balloon Fest Celebrates 40 Years - Plano Magazine](https://news.google.com/rss/articles/CBMijwFBVV95cUxOSDJ2aUFoUTdocWtQbEpLa2plSXlkRUlTLU4tTDN2QWVUanFVUU1ON1RTYUVTZVJPdDNuNkwyOWg0T3A3N25JdG9QVEVEU2xwUllxRF9CVHZOcGY4dGpmbzBhMkw3T193ZXVJMGNuNjNsc3hodVluSUdkZEVmWW9BNXlGdFp6NU92azByaWVXaw?oc=5) · Plano Magazine
- 2019-11-15 [Kevin Williams - Cross Country Coach - University of North Texas Athletics](https://news.google.com/rss/articles/CBMiigFBVV95cUxOYUlvQ3B0YURRMEROcVZjRGRwTmVHUWFXZ1g1aVVPa0ZVem53LU5heGdZd2pnMjVMWnFjX1lqckdtTEFHcDNBS0NKQ09Id2JSRXVVOHo4Um50NkJrN3UxY282djhFXzRsZ1hyeFFlVG9INnRFeEZHT1lHdFozdEV2aUhhOTVtS3Zlc3c?oc=5) · University of North Texas Athletics
- 2017-05-22 [Schwarz Named To C-USA Baseball All-Academic Team - Rice University Athletics](https://news.google.com/rss/articles/CBMijgFBVV95cUxNWEZGQkU0U0Y3ZDZxeTVFUUZ1b1VKenVkdFZ5dWo2Y0lMY1U4NktGbTZLQ2poN0ZjbWF3Mm54aE9YXzhsZFNJNnhxeUdzVjRzYktRS0ptdllOWlFfU0tNOEJ0anFybGNoYzJjTzdhVkhqcjJsYWtSZnN0ZjJvZWZMMFdsdE5IaUhWc1BadXlR?oc=5) · Rice University Athletics
- 2017-09-27 [InTouch Credit Union Plano Balloon Festival | 2017 Preview - Plano Magazine](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOM3BEcW1HX1VqOGVMdzdVYnhCelh3SkpfS1BPZ1p1bFBaVjVoNjRpWDlnMGVib1ZEcEZwVjFFa3lHM2NBcTh3cFdBT1RlZ2J1NWNfMEp3c05zSmxZT3g3cU5tYzVyQ1d4Rlg5aGRpYVB6MWJMTzFRVFMteE5CTXpxU3pmVEFYbUcyYmNZ?oc=5) · Plano Magazine
- 2019-03-19 [[Update: And now 15 more] Google Pay adds support for 62 new banks and credit unions in the US - Android Police](https://news.google.com/rss/articles/CBMirwFBVV95cUxPdmxZRXZOelQ1UXgwVnVQNEpDTWFuOVl5SXExa3VXZmtzWlFoM2pOQjhqanNuQXJESU9TU3lyMENTdGFtN19JaWpZZ1pwYjhiemE5TUV3U0RvT0NzeGxtVDVMMUtpZ0NWYk54Y20zLWRxV0lqbUZEWlFIdmxyRUJieloxOGlNeFVLNlhMY2VOaUFXN3M1T3hTRGdCZzU3MnJHaUNFTUpfSC04T2ZBRy1v?oc=5) · Android Police
- 2017-09-18 [Lift off! How Plano Became the Balloon Capital of Texas - Local Profile](https://news.google.com/rss/articles/CBMijgFBVV95cUxQMC1oTG91czYzOUhzNExoUElLX1dKTHFmdFZ5RE1kYkZhUGRXbVVPM19ibnUtVXR0cW5zUkM4YkFtWWpHVjJMNGJ5a2hCWU1OZFRyOWw5Ulh5TVdUZFIxcFJTampsTDVCNGdUNUwyN0VDcHhnVGkwb3Z4a0FqUEVWMkFlcGFqX2pNTGxmR1JR0gGTAUFVX3lxTE83SXY2UlJmUVhXelJDRWtCT2NGTkdHT08ycS1mandwLTdzZFdaQTloendmRjhMUVlxcFJLajF1UjJGMVFmV1VQMFk3b2FTOHlfdWFyQ2tCY2Y2bGhJUU93a3BldFZ6ZURSVzBaZlJMNlpGbnBwbjRVXzJwRTViYzlxVWZValA2YlAxZFA3NTNncVAwOA?oc=5) · Local Profile

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68505 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/25.json (key "68505", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68505
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide