Intouch Credit Union Plano, Texas
Intouch Credit Union is a state-chartered credit union headquartered in Plano, TX, established in 1974 (NCUA charter 68505), and it is regulated and insured by the NCUA. At Q2 2026 it reported 71,872 members and total assets of $837.4M (up 3.3% from Q2 2025), the 45th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 8.95% at Q2 2026, in the well capitalized band.
Also written as Intouch CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68505
- Headquarters
- Plano, TX
- Established
- 1974
- Total assets, Q2 2026
- $837.4M
- Assets vs Q2 2025
- +3.3%
- Members, Q2 2026
- 71,872
- Net worth ratio, Q2 2026
- 8.95%
- Latest call report
- Q2 2026, NCUA 5300 · Intouch Credit Union call report
- Asset rank in state
- 45th of 377 in Texas
- Routing number
- 311079474
- Branches
- 11
It has 1,972 fewer members than on June 30, 2025 (-2.7%). Its net worth ratio was up 0.73 percentage points from 8.22% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $409.3M of $661.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.38% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 8.95% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Texas
Credit unions merged into Intouch Credit Union
New Mount Zion Baptist Church Credit Union (2015) · Hospitality Federal Credit Union (2014)
Frequently asked about Intouch Credit Union
How big is Intouch Credit Union?
At Q2 2026 it reported total assets of $837.4M and 71,872 members.
Where is Intouch Credit Union headquartered?
It is headquartered in Plano, TX, United States.
When was Intouch Credit Union founded?
It was established in 1974, per NCUA records.
Is Intouch Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68505): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Intouch Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Intouch Credit Union well capitalized?
Its net worth ratio was 8.95% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Intouch Credit Union's delinquency ratio?
Its delinquency ratio was 1.38% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Intouch Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 88.88% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Plano, TX 75024
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1974
- NCUA Charter #
- 68505
- RSSD ID
- 74887
- Members
- 71,872
- Potential members
- 16,549,283
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 8.95% | 11.43% | 13th bottom |
| Return on assets Middle half of peers: 0.43% to 1.23% | 2.42% | 0.81% | over 90th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 27.11% | 7.02% | over 90th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.29% | 3.70% | 25th bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 59.84% | 76.55% | over 90th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.48% | 1.24% | 31st below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.38% | 0.68% | 18th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.78% | 4.92% | 41st position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 88.88% | 75.66% | 80th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$837.4M total assets against $810.9M; $744.2M total shares and deposits against $733.4M; $661.4M total loans against $643.8M.
$74.6M net worth against $66.8M.
8.95% net worth ratio against 8.22%.
88.88% loan-to-share ratio against 87.78%.
1.38% delinquency ratio against 1.22%.
2.42% return on assets against 0.34%; 27.11% return on equity against 4.17%.
3.29% net interest margin against 3.09%.
71,872 members against 73,844.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 8.95% | 2.42% | 1.38% | 88.88% |
| March 31, 2026 | 8.43% | -0.47% | 1.13% | 88.99% |
| December 31, 2025 | 8.71% | 0.84% | 1.90% | 90.05% |
| September 30, 2025 | 8.50% | 1.44% | 1.13% | 88.82% |
| June 30, 2025 | 8.22% | 0.34% | 1.22% | 87.78% |
| March 31, 2025 | 7.93% | -1.86% | 1.14% | 82.46% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.