PLANO, TX
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)INTOUCH CREDIT UNION, founded in 1974, is a mid-sized nonprofit that reported $55.0M in total revenue in fiscal year 2025.
The credit union is a member owned cooperative financial institution that provides Lending and Deposit services to its membership.
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...
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.
The credit union grants Auto Real Estate Credit Card loans along with other lending activities to its members. In 2025 the credit union granted $191 million in loans to its members.
The credit union provides a multitude of delivery and service support options to its membership. The credit union ended 2025 with 11 branches in 3 states as well as providing telephonic web-based...
The credit union provides a multitude of delivery and service support options to its membership. The credit union ended 2025 with 11 branches in 3 states as well as providing telephonic web-based mobile and in-person service delivery channels to its members in order for them to conduct their financial business.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2025 | 2024 | Change | |
|---|---|---|---|
| Revenue | $54,977,010 | $56,988,098 | 0.0% |
| Expenses | $53,552,687 | $69,479,259 | -0.2% |
| Net Income | $1,424,323 | $-12,491,161 | -1.1% |
Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics
Financial Distress Indicator
Liquidity & Cash Position
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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| Fran Perez | AVP-Training and Systems Implementa | 50.00 |
|
$155,294 | $0 | $155,294 |
| Nancy Pressel | Board Chairperson | 2.00 |
Director
|
$0 | $0 | $0 |
| John Roberts | Board Vice Chairperson | 2.00 |
Director
|
$0 | $0 | $0 |
| Jodie Robinson | Board Secretary | 2.00 |
Director
|
$0 | $0 | $0 |
| Theresa Tschirky | Board Director | 2.00 |
Director
|
$0 | $0 | $0 |
| Terri BryantHarrell | Board Director | 2.00 |
Director
|
$0 | $0 | $0 |
| John Shinneman | Board Deputy Secretary | 2.00 |
Director
|
$0 | $0 | $0 |
| Robert Daniel Crouse | Board Treasurer | 2.00 |
Director
|
$0 | $0 | $0 |
| Jon Hardesty | Board Deputy Treasurer | 2.00 |
Director
|
$0 | $0 | $0 |
| Michael Gallo | Board Director | 2.00 |
Director
|
$0 | $0 | $0 |
| Kent L Lugrand | President-CEO | 65.00 |
Officer
|
$1,023,485 | $0 | $1,023,485 |
| Robert McDonald | SVP-CFO | 60.00 |
Officer
|
$793,026 | $0 | $793,026 |
| Thomas Condos | SVP-CIO | 50.00 |
Key Emp
|
$243,268 | $0 | $243,268 |
| Sammie Cantrell | SVP-CRO | 50.00 |
Key Emp
|
$478,776 | $0 | $478,776 |
| Bridger Robinson | SVP-CLO | 50.00 |
Key Emp
|
$235,207 | $0 | $235,207 |
| Timothy McCoy | SVP-CMO | 50.00 |
Key Emp
|
$208,964 | $0 | $208,964 |
| Kristen SchmiegJester | SVP-CDO | 50.00 |
Key Emp
|
$179,734 | $0 | $179,734 |
| Gloria Smith | SVP-CBO | 50.00 |
Key Emp
|
$185,690 | $0 | $185,690 |
| Matthew Santee | VP-Information Technology | 50.00 |
Key Emp
|
$158,363 | $0 | $158,363 |
| Chris Oglesbee | VP-Retail Operations | 50.00 |
Highest
|
$139,918 | $0 | $139,918 |
| Tami Gutierrez | AVP-Human Resources | 50.00 |
Highest
|
$133,580 | $0 | $133,580 |
| Karessa Pewtress | VP-Chief Retail Executive | 50.00 |
Highest
|
$128,345 | $0 | $128,345 |
| Amy Meska | AVP-Electronic Data Processing | 50.00 |
Highest
|
$120,611 | $0 | $120,611 |
| Melanie Glidwell | AVP-Consumer Lending | 50.00 |
Highest
|
$120,321 | $0 | $120,321 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $54,977,010 | $53,552,687 | $817,904,429 | $1,424,323 |
| 2024 | $56,988,098 | $69,479,259 | $834,353,721 | $-12,491,161 |
| 2023 | $57,946,260 | $64,976,413 | $920,409,034 | $-7,030,153 |
| 2022 | $47,406,759 | $52,269,291 | $1,046,983,946 | $-4,862,532 |
| 2021 | $46,134,137 | $36,680,083 | $1,008,404,060 | $9,454,054 |
| 2020 | $42,962,924 | $37,959,449 | $920,945,761 | $5,003,475 |
| 2019 | $49,590,479 | $43,759,153 | $812,748,822 | $5,831,326 |
| 2018 | $42,180,275 | $46,481,739 | $907,799,272 | $-4,301,464 |
Compare INTOUCH CREDIT UNION with other nonprofits in Texas and across the country.