Civic Intelligence

Intouch Credit Union

990 • Fiscal year 2016 • EIN 75-1447986

Jan 01, 2016 to Dec 31, 2016 • Filed on May 03, 2017

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

74th percentile

0.91x

Higher debt load relative to assets than 74% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Liabilities / Revenue

59th percentile

19.22x

Higher debt load relative to revenue than 59% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Net Margin

5th percentile

0.3%

Higher net margin than 5% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Top Officer Pay

82nd percentile

$573,426

Higher top officer pay than 82% of similar nonprofits.

Top officer pay equals 1.5% of source-year revenue.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Asset Growth

9th percentile

1.6%

Faster asset growth than 9% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Revenue Growth

1st percentile

-16%

Faster revenue growth than 1% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets74th percentile

Assets

Up

$791,167,497

Up $12,118,729 (+1.6%) from 2015

Net Assets

Up

$71,815,237

Up $45,732 (+0.1%) from 2015

Liabilities

Up

$719,352,260

Up $12,072,997 (+1.7%) from 2015

Revenue And Expenses
Liabilities / Revenue59th percentileNet Margin5th percentile

Revenue

Down

$37,421,230

Down $7,075,849 (-16%) from 2015

Expenses

Down

$37,306,097

Down $1,733,810 (-4.4%) from 2015

Net Income

Down

$115,133

Down $5,342,039 (-98%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth9th 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

2016

Assets$791,167,497
Liabilities$719,352,260
Net Assets$71,815,237
Open 2016 Filing

Operations Trend

Revenue Growth1st 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

2016

Revenue$37,421,230
Expenses$37,306,097
Net Income$115,133
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 3, 2017
Return Version
2016v3.0
Gross Receipts
$66,513,158
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$580,499,878$605,787,678▲ $25,287,800
Rtn Earn Endowment Incm Other Fnds$71,769,505$71,815,237▲ $45,732
Savings and Temporary Cash Investments$32,085,983$58,572,929▲ $26,486,946
Investments in Publicly Traded Securities$86,752,212$43,366,332▼ $43,385,880
Investments Other Securities$20,706,805$16,435,791▼ $4,271,014
Land, Buildings, and Equipment, Net$13,687,389$12,306,257▼ $1,381,132
Accounts Receivable$11,275,193$8,739,751▼ $2,535,442
Cash and Non-Interest-Bearing Accounts$7,540,520$6,813,217▼ $727,303
Prepaid Expenses and Deferred Charges$1,646,938$2,631,411▲ $984,473
Receivables From Officers Etc$1,247,269$1,325,450▲ $78,181
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$779,048,768$791,167,497▲ $12,118,729
Other Assets Total$23,606,581$35,188,681▲ $11,582,100
Liabilities
Other Liabilities$679,478,675$698,655,733▲ $19,177,058
Accounts Payable and Accrued Expenses$27,796,176$20,696,527▼ $7,099,649
Mortgage Notes Payable Secured by Investment Property$4,412$0▼ $4,412
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$707,279,263$719,352,260▲ $12,072,997
Net Assets / Fund Balance
Total Net Assets Fund Balance$71,769,505$71,815,237▲ $45,732
Total Liabilities and Net Assets / Fund Balance$779,048,768$791,167,497▲ $12,118,729

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,930,005$2,510,754$0
Other Land Buildings$0$0$0
Land$3,035,219-$0
Equipment$724,900$8,324,390$0
Leasehold Improvements$2,616,133$6,014,302$0
Compensation and Service Providers
Top Officer Pay82nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kent L LugrandPresident-CEOFT$395,223$178,203$573,426
J Diane GerstnerEvpFT$243,336$65,823$309,159
Robert McDonaldSVP-CFOFT$205,424$39,898$245,322
Kathy JumperSVP-COOFT$180,444$34,114$214,558
Chris CarlsonSVP-CROFT$179,231$32,486$211,717
Sammie CantrellSVP-CAOFT$169,183$33,220$202,403
Thomas CondosSdvp-CIOFT$168,341$32,626$200,967
Timothy McCoyVP-MarketingFT$152,207$16,125$168,332
James SimpsonVP-Wealth MgmtFT$136,347$19,260$155,607
Piper MadisonVP-Consumer LendingFT$126,656-$126,656
Craig A WIlsonVP-Finance and AcctgFT$125,656-$125,656
Tarry MartinVP-Business LendingFT$118,647-$118,647

Board Members and Trustees

NameTitle
Nancy PresselBoard Chairperson
Robert Daniel CrouseBoard Vice Chairperson
Dimetria JacksonBoard Director
Lisa PapageorgeBoard Director
Terri Bryant-HarrellBoard Director
Theresa TschirkyBoard Director
Todd TaylorBoard Director
John RobertsBoard Secretary
Christopher LipperBoard Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$33,972,523
Investment Income
$2,916,472
Other Revenue
$532,235
All Other Contributions
$0
Change in Net Assets
$115,133
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$19,745,481
Salaries, Compensation, and Employee Benefits$16,807,465
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$0$10,473,729$0$10,473,729
Other Employee Benefits$0$2,595,276$0$2,595,276
Occupancy$0$2,559,593$0$2,559,593
Current Officers, Directors, Trustees, and Key Employees$0$2,281,491$0$2,281,491
Information Technology$0$2,173,349$0$2,173,349
Depreciation Depletion$0$1,700,547$0$1,700,547
Office Expenses$0$1,234,365$0$1,234,365
Payroll Taxes$0$1,021,973$0$1,021,973
Interest$0$911,440$0$911,440
Advertising$0$909,578$0$909,578
Benefits to Members$753,151--$753,151
Pension Plan Contributions$0$434,996$0$434,996
Other Expenses$180,017$242,119$0$422,136
Insurance$0$222,330$0$222,330
All Other Expenses$0$208,617$0$208,617
Travel$0$148,222$0$148,222
Fees for Services Legal$0$146,978$0$146,978
Fees for Services Accounting$0$104,176$0$104,176
Fees for Service Investment Mgmnt Fees$0$81,000$0$81,000
Conferences and Meetings$0$26,790$0$26,790
Total Functional Expenses$8,948,356$28,357,741$0$37,306,097
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$1,247,269$1,325,450▲ $78,181
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$698,655,733
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
No
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 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 28, 2017 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:| Non-CEO Officers and Key Employees, Compensation of officers other than the CEO and key employees is determined by the CEO. Their compensation is determined on position, peer comparison data, performance and the guidance from an independent third party firm specializing in executive compensation., 2016| President-CEO, The compensation of the President/CEO is determined by a subset of the governing body known as the Compensation Committee. The committee uses independent third party firms specializing in executive compensation decisions. All deliberations and decisions are documented in the form of the Committee Minutes., 2016|”

Part VI, Section C, Line 19

“The organizational governing documents are available to the general public to review upon request at the organizations headquarters.”

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
2017-05-03

Organization Details

Principal Officer
Kent L Lugrand
Formed
1974
Legal Domicile
TX
Voting Board Members
9
Independent Board Members
9
Employees
321
Volunteers
12
Raw XML AppendixShowing 400 of 968 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/PersonNm2Christopher Lipper
IRS990/Form990PartVIISectionAGrp/PersonNm3John Roberts
IRS990/Form990PartVIISectionAGrp/PersonNm4Theresa Tschirky
IRS990/Form990PartVIISectionAGrp/PersonNm5Dimetria Jackson
IRS990/Form990PartVIISectionAGrp/PersonNm6Lisa Papageorge
IRS990/Form990PartVIISectionAGrp/PersonNm7Terri Bryant-Harrell
IRS990/Form990PartVIISectionAGrp/PersonNm8Todd Taylor
IRS990/Form990PartVIISectionAGrp/PersonNm9Kent L Lugrand
IRS990/Form990PartVIISectionAGrp/PersonNm10J Diane Gerstner
IRS990/Form990PartVIISectionAGrp/PersonNm11Robert McDonald
IRS990/Form990PartVIISectionAGrp/PersonNm12Kathy Jumper
IRS990/Form990PartVIISectionAGrp/PersonNm13Chris Carlson
IRS990/Form990PartVIISectionAGrp/PersonNm14Sammie Cantrell
IRS990/Form990PartVIISectionAGrp/PersonNm15Thomas Condos
IRS990/Form990PartVIISectionAGrp/PersonNm16Timothy McCoy
IRS990/Form990PartVIISectionAGrp/PersonNm17James Simpson
IRS990/Form990PartVIISectionAGrp/PersonNm18Piper Madison
IRS990/Form990PartVIISectionAGrp/PersonNm19Craig A WIlson
IRS990/Form990PartVIISectionAGrp/PersonNm20Tarry Martin
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IRS990/Form990PartVIISectionAGrp/TitleTxt0Board Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt1Board Vice Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Board Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Board Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9President-CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10EVP
IRS990/Form990PartVIISectionAGrp/TitleTxt11SVP-CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP-COO
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP-CRO
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP-CAO
IRS990/Form990PartVIISectionAGrp/TitleTxt15SDVP-CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP-Marketing
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP-Wealth Mgmt
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP-Consumer Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP-Finance and Acctg
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP-Business Lending
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Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$791,167,497
Liabilities
$719,352,260
Net assets
$71,815,237
Revenue
$37,421,230
Expenses
$37,306,097
Net income
$115,133
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
2016Detailed filing. Detailed filing data is available for this year.$791$719$71.8$37.4$37.3$0.12
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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
Peer Organizations

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