Civic Intelligence

Intouch Credit Union

990 • Fiscal year 2015 • EIN 75-1447986

Jan 01, 2015 to Dec 31, 2015 • Filed on May 04, 2016

Organization ProfileITCU.ORG

View Organization Page

PO Box 250169Plano, TX 75025

(214) 291-1776

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

73rd percentile

0.91x

Higher debt load relative to assets than 73% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Liabilities / Revenue

27th percentile

15.89x

Higher debt load relative to revenue than 27% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Net Margin

43rd percentile

12%

Higher net margin than 43% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Top Officer Pay

77th percentile

$526,615

Higher top officer pay than 77% of similar nonprofits.

Top officer pay equals 1.2% of source-year revenue.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Asset Growth

2nd percentile

-5.7%

Faster asset growth than 2% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Revenue Growth

94th percentile

24%

Faster revenue growth than 94% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Down

$779,048,768

Down $47,036,232 (-5.7%) from 2014

Net Assets

Up

$71,769,505

Up $5,165,835 (+7.8%) from 2014

Liabilities

Down

$707,279,263

Down $52,202,067 (-6.9%) from 2014

Revenue And Expenses
Liabilities / Revenue27th percentileNet Margin43rd percentile

Revenue

Up

$44,497,079

Up $8,706,506 (+24%) from 2014

Expenses

Up

$39,039,907

Up $2,561,672 (+7.0%) from 2014

Net Income

Up

$5,457,172

Up $6,144,834 (+894%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth2nd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$1.5B$1.0B$500M$0Assets 2010: $865,117,975Liabilities 2010: $801,046,631Net Assets 2010: $64,071,3442010Assets 2011: $843,488,242Liabilities 2011: $780,759,502Net Assets 2011: $62,728,7402011Assets 2012: $832,039,721Liabilities 2012: $764,166,380Net Assets 2012: $67,873,3412012Assets 2013: $810,462,994Liabilities 2013: $750,268,466Net Assets 2013: $60,194,5282013Assets 2014: $826,085,000Liabilities 2014: $759,481,330Net Assets 2014: $66,603,6702014Assets 2015: $779,048,768Liabilities 2015: $707,279,263Net Assets 2015: $71,769,5052015Assets 2016: $791,167,497Liabilities 2016: $719,352,260Net Assets 2016: $71,815,2372016Assets 2017: $805,556,462Liabilities 2017: $731,476,274Net Assets 2017: $74,080,1882017Assets 2018: $907,799,272Liabilities 2018: $838,283,285Net Assets 2018: $69,515,9872018Assets 2019: $812,748,822Liabilities 2019: $736,478,280Net Assets 2019: $76,270,5422019Assets 2020: $920,945,761Liabilities 2020: $839,192,608Net Assets 2020: $81,753,1532020Assets 2021: $1,008,404,060Liabilities 2021: $917,822,080Net Assets 2021: $90,581,9802021Assets 2022: $1,046,983,946Liabilities 2022: $965,738,083Net Assets 2022: $81,245,8632022

Highlighted filing

2015

Assets$779,048,768
Liabilities$707,279,263
Net Assets$71,769,505
Open 2015 Filing

Operations Trend

Revenue Growth94th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$60M$40M$20M$0-$20MExpenses 2010: $43,906,9142010Expenses 2011: $44,810,4682011Expenses 2012: $35,956,0202012Revenue 2013: $34,535,416Expenses 2013: $34,312,655Net Income 2013: $222,7612013Revenue 2014: $35,790,573Expenses 2014: $36,478,235Net Income 2014: -$687,6622014Revenue 2015: $44,497,079Expenses 2015: $39,039,907Net Income 2015: $5,457,1722015Revenue 2016: $37,421,230Expenses 2016: $37,306,097Net Income 2016: $115,1332016Revenue 2017: $43,622,083Expenses 2017: $41,761,947Net Income 2017: $1,860,1362017Revenue 2018: $42,180,275Expenses 2018: $46,481,739Net Income 2018: -$4,301,4642018Revenue 2019: $49,590,479Expenses 2019: $43,759,153Net Income 2019: $5,831,3262019Revenue 2020: $42,962,924Expenses 2020: $37,959,449Net Income 2020: $5,003,4752020Revenue 2021: $46,134,137Expenses 2021: $36,680,083Net Income 2021: $9,454,0542021Revenue 2022: $47,406,759Expenses 2022: $52,269,291Net Income 2022: -$4,862,5322022

Highlighted filing

2015

Revenue$44,497,079
Expenses$39,039,907
Net Income$5,457,172
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 4, 2016
Return Version
2015v2.1
Gross Receipts
$108,826,589
Mission and Program Overview

Mission

The credit union is a member owned cooperative financial institution that provides Lending and Deposit services to its membership.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$527,017,226$580,499,878▲ $53,482,652
Investments in Publicly Traded Securities$174,805,920$86,752,212▼ $88,053,708
Rtn Earn Endowment Incm Other Fnds$66,603,670$71,769,505▲ $5,165,835
Savings and Temporary Cash Investments$38,064,266$32,085,983▼ $5,978,283
Investments Other Securities$30,236,752$20,706,805▼ $9,529,947
Land, Buildings, and Equipment, Net$14,330,366$13,687,389▼ $642,977
Accounts Receivable$7,898,037$11,275,193▲ $3,377,156
Cash and Non-Interest-Bearing Accounts$6,197,964$7,540,520▲ $1,342,556
Prepaid Expenses and Deferred Charges$2,501,548$1,646,938▼ $854,610
Receivables From Officers Etc$990,651$1,247,269▲ $256,618
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Program Related$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$826,085,000$779,048,768▼ $47,036,232
Other Assets Total$24,042,270$23,606,581▼ $435,689
Liabilities
Other Liabilities$676,969,499$679,478,675▲ $2,509,176
Accounts Payable and Accrued Expenses$30,511,831$27,796,176▼ $2,715,655
Mortgage Notes Payable Secured by Investment Property$52,000,000$4,412▼ $51,995,588
Grants Payable$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$759,481,330$707,279,263▼ $52,202,067
Net Assets / Fund Balance
Total Net Assets Fund Balance$66,603,670$71,769,505▲ $5,165,835
Total Liabilities and Net Assets / Fund Balance$826,085,000$779,048,768▼ $47,036,232

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,228,906$5,211,853$0
Other Land Buildings$0$0$0
Land$3,035,219-$0
Equipment$3,967,190$4,789,510$0
Leasehold Improvements$3,456,074$5,168,501$0
Compensation and Service Providers
Top Officer Pay77th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kent L LugrandPresident - CEOFT$380,615$146,000$526,615
J Diane GerstnerEvpFT$229,865$58,710$288,575
Robert McDonaldSVP - CFOFT$199,496$31,648$231,144
Chris CarlsonSVP - CRO and General CounselFT$178,677$28,346$207,023
Kathy JumperSVP - COOFT$170,480$26,929$197,409
Thomas CondosSVP - CIOFT$163,042$29,617$192,659
Sammie CantrellSVP - CAOFT$162,460$28,411$190,871
Timothy McCoyVP - MarketingFT$147,734$3,931$151,665
James SimpsonVP - Wealth MgmtFT$137,470-$137,470
Craig A WilsonVP - FinanceFT$110,383-$110,383
Tarry MartinVP - Business LendingFT$105,100-$105,100
Piper MadisonVP - LendingFT$103,746-$103,746

Board Members and Trustees

NameTitle
Nancy PresselChairperson
Robert Daniel CrouseVice Chairperson
Dimetria JacksonDirector
Lisa PapageorgeDirector
Michael J KochDirector
Terri Byrant-HarrellDirector
Theresa TschirkyDirector
John RobertsSecretary
Chris LipperTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$23,199,468
Investment Income
$11,444,454
Other Revenue
$9,853,157
All Other Contributions
$0
Change in Net Assets
$5,457,172

Audited Revenue Reconciliation

Revenue per Audited Statements
$44,497,079
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$44,497,079
Total Revenue per Form 990
$44,497,079
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$22,835,940
Salaries, Compensation, and Employee Benefits$15,357,225
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$0$9,779,573$0$9,779,573
Interest$0$4,569,542$0$4,569,542
Fees for Services Other$0$4,251,729$0$4,251,729
Occupancy$0$2,523,983$0$2,523,983
Current Officers, Directors, Trustees, and Key Employees$0$2,442,660$0$2,442,660
Information Technology$0$2,211,483$0$2,211,483
Depreciation Depletion$0$1,751,482$0$1,751,482
Other Employee Benefits$0$1,625,959$0$1,625,959
Office Expenses$0$1,223,781$0$1,223,781
Advertising$0$1,027,082$0$1,027,082
Payroll Taxes$0$1,013,829$0$1,013,829
Benefits to Members$846,742--$846,742
Pension Plan Contributions$0$495,204$0$495,204
Insurance$0$232,593$0$232,593
Other Expenses$0$132,411$0$132,411
Conferences and Meetings$0$131,257$0$131,257
Fees for Services Accounting$0$106,520$0$106,520
Fees for Services Legal$0$55,755$0$55,755
Travel$0$30,295$0$30,295
Total Functional Expenses$4,999,314$34,040,593$0$39,039,907

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$39,039,907
Total Expenses per Audited Statements$39,039,907
Total Expenses per Form 990$39,039,907
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$990,651$1,247,269▲ $256,618
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$679,478,675
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Part VI, Section A, Line 6

“The credit union is a member owned financial cooperative. Hence, the organization has members instead of stockholders who join the credit union via a SEG or community common bond association.”

Part VI, Section A, Line 7A

“| Class of the Person:, Nature of their rights:| InTouch CU Membership, The membership of InTouch Credit Union, in its entirety, has approval authority over certain governing decisions. Examples include, but are not limited to, election of the Board of Directors, mergers and acquistions with other credit unions, etc.|”

Part VI, Section A, Line 7B

“| Class of the Person:, Decisions that require their approval:, Nature of their rights:| InTouch Membership, Membership decisions include, but are not limited to, election of the Board of Directors, mergers and acquisitions with of credit unions etc., 1 vote per member|”

Part VI, Section B, Line 11B

“Form 990 was reviewed by Senior Management of InTouch CU and forwarded to the credit union's governing body on April 29, 2016 with an approval recommendation. A quorum of the Board of Directors was present and reviewed and approved the form content in its entirety thereby affirming their governance responsibilities with respect to the data herein.”

Part VI, Section B, Line 12C

“InTouch CU has a written Conflict of Interest Policy. The governing body reviews and approves the policy annually. Each Director, Officer and key employee is required to disclose any known conflict of interest that may exist during this annual review process.”

Part VI, Section B, Line 15

“| Name of the Person:, The process used to establish compensation of the person who served in:|, The year in which this process was last undertaken:| Senior Management and Key Employees, Compensation of officers other than the CEO and key employees is determined by the CEO. Their compensation are determined on position, peer comparison data, performance and the guidance from an independent third party firm specializing in executive compensation., 2015|”

Part VI, Section C, Line 19

“The organizational governing documents are available to the general public upon request.”

Filing and Contact Details

Filer

Filer Name
Intouch Credit Union
EIN
75-1447986
In Care Of
% Kent L Lugrand
Phone
2142911776
Address
PO BOX 250169, PLANO, TX 75025

Signing Officer

Name
Robert McDonald
Title
SVP - CFO
Phone
2142911776
Signed
2016-05-04

Organization Details

Principal Officer
Kent L Lugrand
Formed
1974
Legal Domicile
TX
Voting Board Members
9
Independent Board Members
9
Employees
332
Volunteers
13
Supplemental Narrative

Additional Explanations

Part IX, line 11G

“| Description:, Amount:| Various 3rd Party Vendors, $4251729.00|”

Part XI, Line 9

“| Description:, Explanation:, Amount:| Merger Capital, Capital acquired thru merger, $77007.00|”

Raw XML AppendixShowing 400 of 985 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/PersonNm1Robert Daniel Crouse
IRS990/Form990PartVIISectionAGrp/PersonNm2Michael J Koch
IRS990/Form990PartVIISectionAGrp/PersonNm3John Roberts
IRS990/Form990PartVIISectionAGrp/PersonNm4Chris Lipper
IRS990/Form990PartVIISectionAGrp/PersonNm5Theresa Tschirky
IRS990/Form990PartVIISectionAGrp/PersonNm6Dimetria Jackson
IRS990/Form990PartVIISectionAGrp/PersonNm7Lisa Papageorge
IRS990/Form990PartVIISectionAGrp/PersonNm8Terri Byrant-Harrell
IRS990/Form990PartVIISectionAGrp/PersonNm9Kent L Lugrand
IRS990/Form990PartVIISectionAGrp/PersonNm10J Diane Gerstner
IRS990/Form990PartVIISectionAGrp/PersonNm11Robert McDonald
IRS990/Form990PartVIISectionAGrp/PersonNm12Chris Carlson
IRS990/Form990PartVIISectionAGrp/PersonNm13Kathy Jumper
IRS990/Form990PartVIISectionAGrp/PersonNm14Thomas Condos
IRS990/Form990PartVIISectionAGrp/PersonNm15Sammie Cantrell
IRS990/Form990PartVIISectionAGrp/PersonNm16Timothy McCoy
IRS990/Form990PartVIISectionAGrp/PersonNm17James Simpson
IRS990/Form990PartVIISectionAGrp/PersonNm18Craig A Wilson
IRS990/Form990PartVIISectionAGrp/PersonNm19Tarry Martin
IRS990/Form990PartVIISectionAGrp/PersonNm20Piper Madison
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IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9President - CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10EVP
IRS990/Form990PartVIISectionAGrp/TitleTxt11SVP - CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP - CRO and General Counsel
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP - COO
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP - CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt15SVP - CAO
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP - Marketing
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP - Wealth Mgmt
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP - Finance
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP - Business Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP - Lending
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Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$779,048,768
Liabilities
$707,279,263
Net assets
$71,769,505
Revenue
$44,497,079
Expenses
$39,039,907
Net income
$5,457,172
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,047$966$81.2$47.4$52.3$4.86
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,008$918$90.6$46.1$36.7$9.45
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$921$839$81.8$43.0$38.0$5.00
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$813$736$76.3$49.6$43.8$5.83
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$908$838$69.5$42.2$46.5$4.30
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$806$731$74.1$43.6$41.8$1.86
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$791$719$71.8$37.4$37.3$0.12
2015Detailed filing. Detailed filing data is available for this year.$779$707$71.8$44.5$39.0$5.46
2014Detailed filing. Detailed filing data is available for this year.$826$759$66.6$35.8$36.5$0.69
2013Detailed filing. Detailed filing data is available for this year.$810$750$60.2$34.5$34.3$0.22
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$832$764$67.9$36.0
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$843$781$62.7$44.8
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$865$801$64.1$43.9