2025-04-07T11:57:45-04:00 2024-12-31 990 2024-01-01 751447986 INTOUCH CREDIT UNION % ROBERT MCDONALD INTO 2142911776 PO BOX 250169 PLANO TX 750250169 Robert McDonald SVP-CFO 2025-04-08 false 2024 2025-03-06 01:10:19Z ROBERT MCDONALD PO BOX 250169 PLANO TX 750250169 60761188 false X ITCU.ORG X 1974 TX The credit union is a member owned cooperative financial institution that provides Lending and Deposit services to its membership. 9 9 251 15 81861 0 0 0 42366668 39302485 10745493 12806198 4834099 4879415 57946260 56988098 0 1500 9193725 11045601 16789907 17627365 0 0 0 38992781 40804793 64976413 69479259 -7030153 -12491161 920409034 834353721 842162962 767832114 78246072 66521607 The credit union is a member owned cooperative financial institution that provides Lending and Deposit services to its membership. false false 11313704 0 14979531 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 $753 million of deposits for its 79,137 members as of December 31 2024. The credit union opened 2,241 new memberships in 2024. 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. 10620298 0 34171225 The credit union grants Auto Real Estate Credit Card loans along with other lending activities to its members. In 2024 the credit union granted $97 million in loans to its members. 3209340 0 3364336 The credit union provides a multitude of delivery and service support options to its membership. The credit union ended 2024 with 17 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. 25143342 false false false false false false false false false true true false false true false false false false false false false false false false false false false false true false true false false false false false false false false false false false false false true 30288 0 true 251 true true true false false false false false true false X 9 9 false false false false true true true true true false true true true true true true true true true true false TX X Robert McDonald 2142911776 PO BOX 250169 PLANO TX 750250169 Nancy Pressel Board Chairperson 2.00 0.00 X 0 0 0 John Roberts Board Vice Chairperson 2.00 0.00 X 0 0 0 Jodie Robinson Board Secretary 2.00 0.00 X 0 0 0 Theresa Tschirky Board Director 2.00 0.00 X 0 0 0 Terri BryantHarrell Board Director 2.00 0.00 X 0 0 0 John Shinneman Board Deputy Secretary 2.00 0.00 X 0 0 0 Robert Daniel Crouse Board Treasurer 2.00 0.00 X 0 0 0 Jon Hardesty Board Deputy Treasurer 2.00 0.00 X 0 0 0 Michael Gallo Board Director 2.00 0.00 X 0 0 0 Kent L Lugrand President-CEO 65.00 0.00 X 1743614 0 0 Robert McDonald SVP-CFO 60.00 0.00 X 300566 0 0 Thomas Condos SVP-CIO 50.00 0.00 X 257679 0 0 Sammie Cantrell SVP-CRO 50.00 0.00 X 235936 0 0 Bridger Robinson SVP-CLO 50.00 0.00 X 249882 0 0 Timothy McCoy SVP-Marketing and Ecommerce 50.00 0.00 X 225791 0 0 Kristen SchmiegJester SVP-Delivery Channel Operations 50.00 0.00 X 190354 0 0 Gloria Smith SVP-Retail Branch Officer 50.00 0.00 X 200510 0 0 Matthew Santee VP-Information Technology 50.00 0.00 X 160621 0 0 Daniel Maldonado VP-Chief Retail Executive 50.00 0.00 X 132935 0 0 Chris Oglesbee VP-Retail Operations 50.00 0.00 X 144391 0 0 Karessa Pewtress VP-Chief Retail Executive 50.00 0.00 X 134924 0 0 Tami Gutierrez AVP-Human Resources 50.00 0.00 X 132154 0 0 Valerie Williams VP-Chief Retail Executive 50.00 0.00 X 127766 0 0 Melanie Glidwell AVP-Consumer Lending 50.00 0.00 X 121824 0 0 4358947 0 0 20 false true false 0 0 0 0 0 0 0 0 Loan Revenue 522130 34171225 34171225 0 0 Service Delivery Income 522130 3364336 3282475 81861 0 Deposit Revenue 522130 1766924 1766924 0 0 39302485 13212607 13212607 0 0 0 0 0 0 0 0 0 0 119799 0 0 0 119799 0 119799 0 0 119799 0 3366681 638262 3134828 -638262 231853 -406409 -406409 0 0 0 0 0 0 0 0 0 0 0 0 0 0 SERP Investment Gains 522130 4759616 4759616 0 0 4759616 56988098 56786438 81861 119799 1500 0 0 0 0 0 11045601 11045601 2615072 0 2615072 0 0 0 0 0 10463425 0 10463425 0 473029 0 473029 0 3093129 0 3093129 0 982710 0 982710 0 0 0 0 0 393250 0 393250 0 170403 0 170403 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1007790 0 1007790 0 2460641 0 2460641 0 3285318 0 3285318 0 0 0 0 0 2245262 0 2245262 0 160399 0 160399 0 0 0 0 0 106620 0 106620 0 11629195 0 11629195 0 0 0 0 0 2945967 0 2945967 0 257828 0 257828 0 Provision for Loan Losses 8199839 8199839 0 0 Professional and Outside Services 5595288 4013535 1581753 0 Loan Servicing Expenses 1749530 1749530 0 0 Miscellaneous Operating Expense 597463 134837 462626 0 69479259 25143342 44334417 0 6920830 8611946 14982836 22965982 0 0 10748931 8590991 687932 623202 0 0 720609296 623763156 0 0 2043931 2512165 39521705 10943058 30952045 28578647 42328243 41878173 87078010 93669542 0 0 0 0 4056980 3159917 920409034 834353721 57465816 14115928 0 0 0 0 0 0 0 0 0 0 0 0 0 0 784697146 753716186 842162962 767832114 X 0 0 0 0 78246072 66521607 78246072 66521607 920409034 834353721 -12491161 766696 0 0 0 0 X false false false 0 5607219 5607219 0 23946124 5042136 18903988 0 4099434 2820817 1278617 0 5020710 2502126 2518584 0 848218 577979 270239 28578647 0 F 93669542 F 93669542 Member Deposits 753560097 Allow for Off-Balance Sheet Credit Exposure 156089 753716186 X X X X false true false Kent L Lugrand President-CEO 541934 0 251799 0 949881 0 0 0 0 0 1743614 0 0 0 Robert McDonald SVP-CFO 256186 0 44380 0 0 0 0 0 0 0 300566 0 0 0 Thomas Condos SVP-CIO 221759 0 35920 0 0 0 0 0 0 0 257679 0 0 0 Sammie Cantrell SVP-CRO 201216 0 34720 0 0 0 0 0 0 0 235936 0 0 0 Bridger Robinson SVP-CLO 213662 0 36220 0 0 0 0 0 0 0 249882 0 0 0 Timothy McCoy SVP-Marketing and Ecommerce 194291 0 31500 0 0 0 0 0 0 0 225791 0 0 0 Kristen Schmieg-Jester SVP-Delivery Channel Operations 163794 0 26560 0 0 0 0 0 0 0 190354 0 0 0 Gloria Smith SVP-Retail Branch Officer 172230 0 28280 0 0 0 0 0 0 0 200510 0 0 0 Matthew Santee VP-Information Technology 140571 0 20050 0 0 0 0 0 0 0 160621 0 0 0 Part I Line 3 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. Gloria Smith SVP-Retail Branch Officer Auto Credit Card Unsecured X 62088 63032 false false true Jodie Robinson Board Secretary Unsecured X 0 7735 false false true Chris Oglesbee VP-Retail Operations Autos X 84836 33756 false false true John Roberts Board Vice Chairperson Auto Mortgage X 271502 175109 false false true Jon Hardesty Board Deputy Treasurer Auto X 32619 13980 false false true Karessa Pewtress VP-Chief Retail Executive Unsecured X 10000 10388 false false true Kent Lugrand President-CEO Unsecured X 9412 4891 false false true Kristen Schmieg-Jester SVP-Delivery Channel Operations Credit Card Mortgage X 120000 7129 false false true Matthew Santee VP-Information Technology Home Equity X 0 46850 false false true Ria Henning VP-Contact Center Auto X 20374 17294 false false true Robert Daniel Crouse Board Treasurer Mortgage X 253437 207540 false false true Timothy McCoy SVP-Marketing and Ecommerce Auto X 37643 35498 false false true 623202 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 unions governing body on March 27 2025 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., 2024| 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., 2024| Part VI, Section C, Line 19 The organizational governing documents are available to the general public to review upon request at the organizations headquarters.