Civic Intelligence

Intouch Credit Union

990 • Fiscal year 2019 • EIN 75-1447986

Jan 01, 2019 to Dec 31, 2019 • Filed on May 04, 2020

Organization ProfileITCU.ORG

View Organization Page

PO Box 250169Plano, TX 75025-0169

(214) 291-1776

Siviq Scores

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

Liabilities / Assets

79th percentile

0.91x

Higher debt load relative to assets than 79% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Liabilities / Revenue

34th percentile

14.85x

Higher debt load relative to revenue than 34% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Net Margin

37th percentile

12%

Higher net margin than 37% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Top Officer Pay

98th percentile

$1,462,310

Higher top officer pay than 98% of similar nonprofits.

Top officer pay equals 2.9% of source-year revenue.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Asset Growth

1st percentile

-10%

Faster asset growth than 1% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Revenue Growth

88th percentile

18%

Faster revenue growth than 88% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets79th percentile

Assets

Down

$812,748,822

Down $95,050,450 (-10%) from 2018

Net Assets

Up

$76,270,542

Up $6,754,555 (+9.7%) from 2018

Liabilities

Down

$736,478,280

Down $101,805,005 (-12%) from 2018

Revenue And Expenses
Liabilities / Revenue34th percentileNet Margin37th percentile

Revenue

Up

$49,590,479

Up $7,410,204 (+18%) from 2018

Expenses

Down

$43,759,153

Down $2,722,586 (-5.9%) from 2018

Net Income

Up

$5,831,326

Up $10,132,790 (+236%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth1st 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

2019

Assets$812,748,822
Liabilities$736,478,280
Net Assets$76,270,542
Open 2019 Filing

Operations Trend

Revenue Growth88th 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

2019

Revenue$49,590,479
Expenses$43,759,153
Net Income$5,831,326
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
May 4, 2020
Return Version
2019v5.0
Gross Receipts
$49,709,988
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$771,048,629$692,569,098▼ $78,479,531
Rtn Earn Endowment Incm Other Fnds$69,515,987$76,270,542▲ $6,754,555
Investments Other Securities$50,349,514$51,920,355▲ $1,570,841
Investments in Publicly Traded Securities$29,042,890$22,737,593▼ $6,305,297
Cash and Non-Interest-Bearing Accounts$23,381,090$17,092,717▼ $6,288,373
Land, Buildings, and Equipment, Net$10,823,611$10,766,400▼ $57,211
Savings and Temporary Cash Investments$11,169,491$6,622,153▼ $4,547,338
Accounts Receivable$5,883,101$4,687,811▼ $1,195,290
Prepaid Expenses and Deferred Charges$3,839,289$4,168,700▲ $329,411
Receivables From Officers Etc$1,402,379$1,069,448▼ $332,931
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$907,799,272$812,748,822▼ $95,050,450
Other Assets Total$859,278$1,114,547▲ $255,269
Liabilities
Other Liabilities$735,055,597$705,115,899▼ $29,939,698
Accounts Payable and Accrued Expenses$103,227,688$31,362,381▼ $71,865,307
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$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$838,283,285$736,478,280▼ $101,805,005
Net Assets / Fund Balance
Total Net Assets Fund Balance$69,515,987$76,270,542▲ $6,754,555
Total Liabilities and Net Assets / Fund Balance$907,799,272$812,748,822▼ $95,050,450

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,536,536$3,018,601$0
Other Land Buildings$186,043$260,452$0
Land$3,035,219-$0
Equipment$713,089$1,665,013$0
Leasehold Improvements$1,295,513$3,872,060$0
Compensation and Service Providers
Top Officer Pay98th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
J Diane GerstnerEvpFT$265,976$1,196,334$1,462,310
Kent L LugrandPresident-CEOFT$430,205$594,856$1,025,061
Robert McDonaldSVP-CFOFT$211,496$36,000$247,496
Thomas CondosSVP-CIOFT$180,564$30,795$211,359
Sammie CantrellSVP-CAOFT$177,515$30,835$208,350
Timothy McCoyVP-Marketing and EcommerceFT$163,857$14,600$178,457
Piper MadisonSVP of Lending and OperationsFT$151,484$19,675$171,159
Bridger RobinsonVP-Member ExperienceFT$149,780-$149,780
Kristen Schmieg-JesterVP of Retail OperationsFT$131,966-$131,966

Board Members and Trustees

NameTitle
Nancy PresselBoard Chairperson
John RobertsBoard Vice Chairperson
John ShinnemanBoard Director
Lisa PapageorgeBoard Director
Robert Daniel CrouseBoard Director
Terri Bryant-HarrellBoard Director
Theresa TschirkyBoard Director
Jodie RobinsonBoard Secretary
Christopher LipperBoard Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$3,300
Program Service Revenue
$39,722,917
Investment Income
$5,006,586
Other Revenue
$4,857,676
All Other Contributions
$3,300
Change in Net Assets
$5,831,326
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$22,992,444
Salaries, Compensation, and Employee Benefits$15,586,133
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$0$9,201,282$0$9,201,282
Benefits to Members$5,180,576--$5,180,576
Interest$0$2,996,749$0$2,996,749
Other Employee Benefits$0$2,909,812$0$2,909,812
Occupancy$0$2,283,087$0$2,283,087
Current Officers, Directors, Trustees, and Key Employees$0$2,237,446$0$2,237,446
Information Technology$0$2,226,007$0$2,226,007
Office Expenses$0$1,320,124$0$1,320,124
Advertising$0$1,267,360$0$1,267,360
Depreciation Depletion$0$1,236,956$0$1,236,956
Payroll Taxes$0$825,496$0$825,496
Fees for Services Legal$0$559,316$0$559,316
Pension Plan Contributions$0$412,097$0$412,097
Other Expenses$91,046$218,135$0$309,181
Insurance$0$220,014$0$220,014
All Other Expenses$0$197,857$0$197,857
Travel$0$147,855$0$147,855
Fees for Services Accounting$0$75,420$0$75,420
Conferences and Meetings$0$55,113$0$55,113
Total Functional Expenses$14,568,144$29,191,009$0$43,759,153
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$1,402,379$1,069,448▼ $332,931
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$705,115,899
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 35% controlled entity
No
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, merger and acquisitions 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 other 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 30, 2020 with an approval recommendation. A quorum of the Board of Directors was present and reviewed and approved the form content in its entirety there by 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 interests 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 guidance from an independent third party firm specializing in executive compensation., 2019| President-CEO, The compensation of the 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., 2019|”

Part VI, Section C, Line 19

“The organizational governing documents are available to the general public to review upon request at the organization's 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 75025-0169

Signing Officer

Name
Robert McDonald
Title
SVP-CFO
Phone
2142911776
Signed
2020-05-04
Discuss with paid preparer
No

Organization Details

Principal Officer
Kent L Lugrand
Formed
1974
Legal Domicile
TX
Voting Board Members
9
Independent Board Members
9
Employees
229
Volunteers
16
Raw XML AppendixShowing 400 of 879 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/PersonNm1John Roberts
IRS990/Form990PartVIISectionAGrp/PersonNm2Christopher Lipper
IRS990/Form990PartVIISectionAGrp/PersonNm3Jodie Robinson
IRS990/Form990PartVIISectionAGrp/PersonNm4Theresa Tschirky
IRS990/Form990PartVIISectionAGrp/PersonNm5Lisa Papageorge
IRS990/Form990PartVIISectionAGrp/PersonNm6Terri Bryant-Harrell
IRS990/Form990PartVIISectionAGrp/PersonNm7John Shinneman
IRS990/Form990PartVIISectionAGrp/PersonNm8Robert Daniel Crouse
IRS990/Form990PartVIISectionAGrp/PersonNm9Kent L Lugrand
IRS990/Form990PartVIISectionAGrp/PersonNm10J Diane Gerstner
IRS990/Form990PartVIISectionAGrp/PersonNm11Robert McDonald
IRS990/Form990PartVIISectionAGrp/PersonNm12Sammie Cantrell
IRS990/Form990PartVIISectionAGrp/PersonNm13Thomas Condos
IRS990/Form990PartVIISectionAGrp/PersonNm14Timothy McCoy
IRS990/Form990PartVIISectionAGrp/PersonNm15Piper Madison
IRS990/Form990PartVIISectionAGrp/PersonNm16Bridger Robinson
IRS990/Form990PartVIISectionAGrp/PersonNm17Kristen Schmieg-Jester
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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-CAO
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP-CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP-Marketing and Ecommerce
IRS990/Form990PartVIISectionAGrp/TitleTxt15SVP of Lending and Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP-Member Experience
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP of Retail Operations
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IRS990/FSAuditedInd0false
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IRS990/GamingDirectExpensesAmt00
IRS990/GamingGrossIncomeAmt00
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IRS990/GrantAmt00
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IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/OtherAmt00
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IRS990/GrossReceiptsAmt049709988
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IRS990/IncludeFIN48FootnoteInd0false
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IRS990/IndependentVotingMemberCnt09
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IRS990/IndoorTanningServicesInd0false
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IRS990/OtherExpensesGrp/Desc0Professional and Outside Services
IRS990/OtherExpensesGrp/Desc1Provision for Loan Losses
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IRS990/OtherExpensesGrp/Desc3Miscellaneous Operating Expenses
IRS990/OtherExpensesGrp/FundraisingAmt00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$812,748,822
Liabilities
$736,478,280
Net assets
$76,270,542
Revenue
$49,590,479
Expenses
$43,759,153
Net income
$5,831,326
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
2019Detailed filing. Detailed filing data is available for this year.$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
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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