INTOUCH
Charter #68505 · PLANO, TX · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 72,819 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.43% sits at the 18th percentile of structural peers — worth a closer look.
- Return on average assets of -0.48% sits at the 0th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.13% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.70% sits at the 82nd percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | INTOUCH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $824.21M | 73th pct | 48th pct |
| Members | 72,819 | 96th pct | 80th pct |
| Net worth ratio | 8.43% | 10th pct | 18th pct |
| Return on average assets | -0.48% | 1th pct | 0th pct |
| Net interest margin | 3.22% | 31th pct | 38th pct |
| Cost of funds | 1.57% | 57th pct | 38th pct |
| Loan-to-share | 88.99% | 75th pct | 52th pct |
| Delinquency 60+ days | 1.13% | 83th pct | 79th pct |
| Net charge-off ratio | 0.70% | 74th pct | 82th pct |
| Loan growth YoY | 3.01% | 73th pct | 79th pct |
| Share growth YoY | 2.82% | 32th pct | 34th pct |
| Efficiency ratio | 114.63% | 100th pct | 98th pct |
structural peer set hash: c76992c6992a6511fc88324531fc00e7… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.