InTouch Credit Union
Nonprofit profile at a glance
- EIN
- 751447986
- IRS 990 coverage
- 2010–2025
- Official website data refreshed
- Aug 2026
- Forms available
- Form 990 2025
- Location
- Plano, TX, US
- Phone
- 800-337-3328
- Rating
- 64
- Verdict
- SUPPORTED
- Rating confidence
- Moderate
Reported finances
- Revenue
- $54,977,010
- Expenses
- $53,552,687
- Assets
- $817,904,429
- Liabilities
- $749,095,618
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
24 people listed
Executive titles in this filing
- Kent L Lugrand (President-CEO)
Highest reported compensation
- Kent L Lugrand (President-CEO): $1,023,485 total reported compensation
- Robert McDonald (SVP-CFO): $793,026 total reported compensation
- Sammie Cantrell (SVP-CRO): $478,776 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Simplifying Your Financial Life
What it reported doing in 2025
The credit union provides multiple types of deposit products and services to its members including savings checking money market and certificates of deposit. The credit union held $729 million of deposits for its 71,487 members as of December 31 2025. The credit union opened 2,358 new memberships in 2025. Excess deposits not used for Lending purposes are used to purchase investments in order to generate Investment Interest Income and related Investment Gains and or Losses on Investment Sales.
Operating model
- Revenue model
- Earned-program. 72% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
SUPPORTED - The filed numbers largely add up and most voting board members are independent. A relatively small share of available resources goes toward mission work and a relatively small share of total spending goes to programs.
Rating breakdown
- Financial Efficiency: 31
- Transparency & Controls: 88
- Accountability: 91
- Sustainability: 49
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 35%; rating input score 35
- Program expense ratio: 36%; rating input score 36
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 66th percentile among comparable filings
- Pay-setting controls: 4 of 6 controls in place; rating input score 67
- Compensation committee: Pass
- Independent consultant: Pass
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Pass
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 65th percentile among comparable filings
- Governance controls: 7 of 9 controls in place; rating input score 78
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Missing
- Independent financial-statement audit: Fail
Sustainability
- Operating margin: 2.6%; rating input score 46; 46th percentile among comparable filings
- Total-asset coverage ratio: 15.27; rating input score 88; 88th percentile among comparable filings
- Liabilities to assets ratio: 0.92; rating input score 6; 6th percentile among comparable filings
- Officer compensation ratio: 8%; rating input score 7; 7th percentile among comparable filings
Growth
- Program expense growth: 14.5% per year; rating input score 100; 83rd percentile among comparable filings
- Revenue growth: 2.5% per year; rating input score 100; 17th percentile among comparable filings
- Asset growth: 0.8% per year; rating input score 100; 6th percentile among comparable filings
Details
- What they do: 2 programs and campaigns described on the official site · 1 operating location identified
- Where the money goes: 35% of revenue deployed · 36% of spending went to programs
- Governance: 9 of 9 board members independent · 7 of 9 filing controls reported
- Programs: 3 filed program accomplishments · $19.3M in reported program spending
- Leadership: top reported pay $1M · 24 people listed · 4 of 6 pay-setting controls reported
- Consistency: 39 of 41 current checks pass · 2 findings to review
- Schedules: 4 filed schedules · includes executive pay
- Filing history: 16 filing years from 2010 to 2025
- Contacts: How to reach this organization
- Money network: 23 filed money-flow records
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Moderate — Financial Efficiency: Mission deployment rate scored 35/100.
- Moderate — Financial Efficiency: Program expense ratio scored 36/100.
- Moderate — Sustainability: Operating margin scored 46/100.
- Review — Accountability: Governance controls: Independent financial-statement audit not reported.
- High — Sustainability: Liabilities to assets ratio scored 6/100.
- High — Sustainability: Officer compensation ratio scored 7/100.
- Moderate — Transparency & Controls: Functional expense sum did not reconcile in the filed values.
- Moderate — Transparency & Controls: Part IX GrantsToDomesticOrgs column sum did not reconcile in the filed values.