Civic Intelligence

Intouch Credit Union

990 • Fiscal year 2021 • EIN 75-1447986

Jan 01, 2021 to Dec 31, 2021 • Filed on Apr 19, 2022

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

64th percentile

0.91x

Higher debt load relative to assets than 64% of similar nonprofits.

2021 filings • 501(c)14 • $1B+ nonprofits • Source year 2021

Liabilities / Revenue

31st percentile

19.89x

Higher debt load relative to revenue than 31% of similar nonprofits.

2021 filings • 501(c)14 • $1B+ nonprofits • Source year 2021

Net Margin

42nd percentile

20%

Higher net margin than 42% of similar nonprofits.

2021 filings • 501(c)14 • $1B+ nonprofits • Source year 2021

Top Officer Pay

53rd percentile

$986,755

Higher top officer pay than 53% of similar nonprofits.

Top officer pay equals 2.1% of source-year revenue.

2021 filings • 501(c)14 • $1B+ nonprofits • Source year 2021

Asset Growth

26th percentile

9.5%

Faster asset growth than 26% of similar nonprofits.

2021 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2020 to 2021

Revenue Growth

73rd percentile

7.4%

Faster revenue growth than 73% of similar nonprofits.

2021 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets64th percentile

Assets

Up

$1,008,404,060

Up $87,458,299 (+9.5%) from 2020

Net Assets

Up

$90,581,980

Up $8,828,827 (+11%) from 2020

Liabilities

Up

$917,822,080

Up $78,629,472 (+9.4%) from 2020

Revenue And Expenses
Liabilities / Revenue31st percentileNet Margin42nd percentile

Revenue

Up

$46,134,137

Up $3,171,213 (+7.4%) from 2020

Expenses

Down

$36,680,083

Down $1,279,366 (-3.4%) from 2020

Net Income

Up

$9,454,054

Up $4,450,579 (+89%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth26th 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

2021

Assets$1,008,404,060
Liabilities$917,822,080
Net Assets$90,581,980
Open 2021 Filing

Operations Trend

Revenue Growth73rd 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

2021

Revenue$46,134,137
Expenses$36,680,083
Net Income$9,454,054
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Apr 19, 2022
Return Version
2021v4.0
Gross Receipts
$188,799,441
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$671,271,283$779,315,477▲ $108,044,194
Rtn Earn Endowment Incm Other Fnds$81,753,153$90,581,980▲ $8,828,827
Savings and Temporary Cash Investments$132,858,354$78,180,714▼ $54,677,640
Investments Other Securities$57,065,707$64,284,019▲ $7,218,312
Investments in Publicly Traded Securities$16,540,175$34,706,415▲ $18,166,240
Land, Buildings, and Equipment, Net$14,659,995$23,371,394▲ $8,711,399
Cash and Non-Interest-Bearing Accounts$17,920,768$20,360,372▲ $2,439,604
Accounts Receivable$5,464,097$5,192,071▼ $272,026
Prepaid Expenses and Deferred Charges$3,934,159$2,122,219▼ $1,811,940
Receivables From Officers Etc$1,058,754$559,668▼ $499,086
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$920,945,761$1,008,404,060▲ $87,458,299
Other Assets Total$172,469$311,711▲ $139,242
Liabilities
Other Liabilities$776,020,199$846,727,185▲ $70,706,986
Accounts Payable and Accrued Expenses$63,172,409$71,094,895▲ $7,922,486
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$839,192,608$917,822,080▲ $78,629,472
Net Assets / Fund Balance
Total Net Assets Fund Balance$81,753,153$90,581,980▲ $8,828,827
Total Liabilities and Net Assets / Fund Balance$920,945,761$1,008,404,060▲ $87,458,299

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$16,058,382$3,515,002$19,573,384
Equipment$2,793,512$2,032,112$4,825,624
Leasehold Improvements$987,189$2,340,112$3,327,301
Land$3,101,641-$3,101,641
Other Land Buildings$430,670$500,283$930,953
Closely Held Equity Interests$64,284,019--
Financial Derivatives$0--
Compensation and Service Providers
Top Officer Pay53rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kent L LugrandPresident-CEOFT$466,161$520,594$986,755
Robert McDonaldSVP-CFOFT$236,309$47,890$284,199
J Diane GerstnerEvp-COOFT$80,098$177,430$257,528
Thomas CondosSVP-CIOFT$193,841$38,880$232,721
Sammie CantrellSVP-CAOFT$185,257$38,190$223,447
Bridger RobinsonSVP-Lending and Branch OperationsFT$189,212$30,220$219,432
Timothy McCoySVP-Marketing and EcommerceFT$176,147$23,190$199,337
Kristen Schmieg-JesterSVP-Delivery Channel OperationsFT$147,776$23,500$171,276
Daniel MaldonadoAVP-Regional Manager of MichiganFT$126,470-$126,470
Debra BradfordAVP-EDP and Project ManagementFT$122,895-$122,895
Gloria SmithVP-Risk Management and ComplianceFT$115,600-$115,600
Matthew SanteeAVP-Information TechnologyFT$114,320-$114,320
Melanie GlidwellAVP-Consumer LendingFT$109,019-$109,019

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$38,093,469
Investment Income
$2,979,252
Other Revenue
$5,061,416
All Other Contributions
$0
Change in Net Assets
$9,454,054
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$18,674,605
Salaries, Compensation, and Employee Benefits$15,998,819
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$0$9,720,461$0$9,720,461
Information Technology$0$3,105,318$0$3,105,318
Other Employee Benefits$0$2,758,844$0$2,758,844
Current Officers, Directors, Trustees, and Key Employees$0$2,196,965$0$2,196,965
Benefits to Members$2,006,659--$2,006,659
Occupancy$0$1,864,204$0$1,864,204
Office Expenses$0$1,708,461$0$1,708,461
Depreciation Depletion$0$1,601,023$0$1,601,023
Payroll Taxes$0$906,160$0$906,160
Advertising$0$727,629$0$727,629
Interest$0$706,228$0$706,228
Fees for Services Legal$0$585,210$0$585,210
Pension Plan Contributions$0$416,389$0$416,389
Other Expenses$60,042$228,721$0$288,763
Insurance$0$218,637$0$218,637
Fees for Services Accounting$0$128,399$0$128,399
Travel$0$74,068$0$74,068
Conferences and Meetings$0$31,346$0$31,346
Total Functional Expenses$8,755,986$27,924,097$0$36,680,083
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$1,058,754$559,668▼ $499,086
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$846,727,185
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 March 31 2022 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., 2021| 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., 2021|”

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
Address
PO BOX 250169, PLANO, TX 75025-0169

Signing Officer

Name
Robert McDonald
Title
SVP-CFO
Signed
2022-04-19
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
262
Volunteers
17
Supplemental Narrative

Additional Explanations

Part III, Line 4D

“| Description:, Expense Amount:, Grants Amount:, Revenue Amount:|”

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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/PersonNm4Lisa Papageorge
IRS990/Form990PartVIISectionAGrp/PersonNm5Terri Bryant-Harrell
IRS990/Form990PartVIISectionAGrp/PersonNm6John Shinneman
IRS990/Form990PartVIISectionAGrp/PersonNm7Robert Daniel Crouse
IRS990/Form990PartVIISectionAGrp/PersonNm8Jon Hardesty
IRS990/Form990PartVIISectionAGrp/PersonNm9Kent L Lugrand
IRS990/Form990PartVIISectionAGrp/PersonNm10Robert McDonald
IRS990/Form990PartVIISectionAGrp/PersonNm11Thomas Condos
IRS990/Form990PartVIISectionAGrp/PersonNm12Sammie Cantrell
IRS990/Form990PartVIISectionAGrp/PersonNm13Bridger Robinson
IRS990/Form990PartVIISectionAGrp/PersonNm14Timothy McCoy
IRS990/Form990PartVIISectionAGrp/PersonNm15Kristen Schmieg-Jester
IRS990/Form990PartVIISectionAGrp/PersonNm16Daniel Maldonado
IRS990/Form990PartVIISectionAGrp/PersonNm17Debra Bradford
IRS990/Form990PartVIISectionAGrp/PersonNm18Gloria Smith
IRS990/Form990PartVIISectionAGrp/PersonNm19Matthew Santee
IRS990/Form990PartVIISectionAGrp/PersonNm20Melanie Glidwell
IRS990/Form990PartVIISectionAGrp/PersonNm21J Diane Gerstner
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IRS990/Form990PartVIISectionAGrp/TitleTxt0Board Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt1Board Vice Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Board Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt8Board Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9President-CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10SVP-CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt11SVP-CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP-CAO
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP-Lending and Branch Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP-Marketing and Ecommerce
IRS990/Form990PartVIISectionAGrp/TitleTxt15SVP-Delivery Channel Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt16AVP-Regional Manager of Michigan
IRS990/Form990PartVIISectionAGrp/TitleTxt17AVP-EDP and Project Management
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP-Risk Management and Compliance
IRS990/Form990PartVIISectionAGrp/TitleTxt19AVP-Information Technology
IRS990/Form990PartVIISectionAGrp/TitleTxt20AVP-Consumer Lending
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Document Assets

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,008,404,060
Liabilities
$917,822,080
Net assets
$90,581,980
Revenue
$46,134,137
Expenses
$36,680,083
Net income
$9,454,054
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
2021Detailed filing. Detailed filing data is available for this year.$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
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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