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Nonprofit · EIN 75-1447986

INTOUCH CREDIT UNION

Tax-exempt · PLANO, TX 75024

Financials

$57.9M$65M2023$57M$69.5M2024$55M$53.6M2025
Revenue Expenses · by fiscal year end
Financials of INTOUCH CREDIT UNION by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2025990$54,977,010$53,552,687$1,424,323$817,904,429$749,095,618$68,808,811
December 31, 2024990$56,988,098$69,479,259-$12,491,161$834,353,721$767,832,114$66,521,607
December 31, 2023990$57,946,260$64,976,413-$7,030,153$920,409,034$842,162,962$78,246,072
Financial details: 990 for the year ended December 31, 2025

Revenue

Contributions, gifts and grants
$0
Program service revenue
$38,882,065
Investment income
$8,575,889
Net gain from sales of assets
$633,412
Other revenue
$7,519,056

Expenses

Grants and similar amounts paid
$2,500
Benefits paid to members
$9,895,311
Compensation of officers, directors and key employees
$2,616,807
Other salaries and wages
$9,538,763
Salaries, compensation and benefits (total)
$14,837,834
Professional fundraising fees
$0
Legal fees
$311,817
Accounting fees
$141,895
Occupancy
$2,270,825
Travel
$160,388
Depreciation
$2,773,090
Program services (functional)
$19,267,525
Management and general (functional)
$34,282,662

Balance sheet and other

Total assets, start of year
$834,353,721
Total assets, end of year
$817,904,429
Total liabilities, end of year
$749,095,618
Net assets, end of year
$68,808,811
Land, buildings and equipment
$28,393,085
Publicly traded securities
$8,617,692
Gross unrelated business income
$64,589
Gross receipts
$82,612,647
Employees
212
Volunteers
15
Year formed
1974
State of legal domicile
TX

From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.

Officers, directors and key employees

As listed on the 990 for the year ended December 31, 2025, highest compensation first.

NameTitleHours / weekCompensation
Kent L LugrandPresident-CEO
Officer
65$1,023,485
Robert McDonaldSVP-CFO
Officer
60$793,026
Sammie CantrellSVP-CRO
Key employee
50$478,776
Thomas CondosSVP-CIO
Key employee
50$243,268
Bridger RobinsonSVP-CLO
Key employee
50$235,207
Timothy McCoySVP-CMO
Key employee
50$208,964
Gloria SmithSVP-CBO
Key employee
50$185,690
Kristen SchmiegJesterSVP-CDO
Key employee
50$179,734
Matthew SanteeVP-Information Technology
Key employee
50$158,363
Fran PerezAVP-Training and Systems Implementa50$155,294
Chris OglesbeeVP-Retail Operations
Highest-paid employee
50$139,918
Tami GutierrezAVP-Human Resources
Highest-paid employee
50$133,580
Karessa PewtressVP-Chief Retail Executive
Highest-paid employee
50$128,345
Amy MeskaAVP-Electronic Data Processing
Highest-paid employee
50$120,611
Melanie GlidwellAVP-Consumer Lending
Highest-paid employee
50$120,321
9 more people on this return
NameTitleHours / weekCompensation
Nancy PresselBoard Chairperson
Trustee or director
2$0
John RobertsBoard Vice Chairperson
Trustee or director
2$0
Jodie RobinsonBoard Secretary
Trustee or director
2$0
Theresa TschirkyBoard Director
Trustee or director
2$0
Terri BryantHarrellBoard Director
Trustee or director
2$0
John ShinnemanBoard Deputy Secretary
Trustee or director
2$0
Robert Daniel CrouseBoard Treasurer
Trustee or director
2$0
Jon HardestyBoard Deputy Treasurer
Trustee or director
2$0
Michael GalloBoard Director
Trustee or director
2$0
990 for the year ended December 31, 2024: 24 people
NameTitleHours / weekCompensation
Kent L LugrandPresident-CEO
Officer
65$1,743,614
Robert McDonaldSVP-CFO
Officer
60$300,566
Thomas CondosSVP-CIO
Key employee
50$257,679
Bridger RobinsonSVP-CLO
Key employee
50$249,882
Sammie CantrellSVP-CRO
Key employee
50$235,936
Timothy McCoySVP-Marketing and Ecommerce
Key employee
50$225,791
Gloria SmithSVP-Retail Branch Officer
Key employee
50$200,510
Kristen SchmiegJesterSVP-Delivery Channel Operations
Key employee
50$190,354
Matthew SanteeVP-Information Technology
Key employee
50$160,621
Chris OglesbeeVP-Retail Operations
Highest-paid employee
50$144,391
Karessa PewtressVP-Chief Retail Executive
Highest-paid employee
50$134,924
Daniel MaldonadoVP-Chief Retail Executive
Key employee
50$132,935
Tami GutierrezAVP-Human Resources
Highest-paid employee
50$132,154
Valerie WilliamsVP-Chief Retail Executive
Highest-paid employee
50$127,766
Melanie GlidwellAVP-Consumer Lending
Highest-paid employee
50$121,824
Nancy PresselBoard Chairperson
Trustee or director
2$0
John RobertsBoard Vice Chairperson
Trustee or director
2$0
Jodie RobinsonBoard Secretary
Trustee or director
2$0
Theresa TschirkyBoard Director
Trustee or director
2$0
Terri BryantHarrellBoard Director
Trustee or director
2$0
John ShinnemanBoard Deputy Secretary
Trustee or director
2$0
Robert Daniel CrouseBoard Treasurer
Trustee or director
2$0
Jon HardestyBoard Deputy Treasurer
Trustee or director
2$0
Michael GalloBoard Director
Trustee or director
2$0
990 for the year ended December 31, 2023: 25 people
NameTitleHours / weekCompensation
Kent L LugrandPresident-CEO
Officer
65$986,207
Robert McDonaldSVP-CFO
Officer
60$315,752
Thomas CondosSVP-CIO
Key employee
50$265,267
Bridger RobinsonSVP-CLO
Key employee
50$263,236
Sammie CantrellSVP-CRO
Key employee
50$252,372
Timothy McCoySVP-Marketing and Ecommerce
Key employee
50$229,409
Kristen Schmieg-JesterSVP-Delivery Channel Operations
Key employee
50$203,801
Gloria SmithSVP-Retail Branch Officer
Key employee
50$198,282
Matthew SanteeVP-Information Technology
Key employee
50$158,348
Daniel MaldonadoVP-Chief Retail Executive
Key employee
50$155,529
Chris OglesbeeVP-Retail Operations
Highest-paid employee
50$147,030
Walter StanleyVP-Business Lending and Payment Ser
Former
50$144,250
Karessa PewtressVP-Chief Retail Executive
Highest-paid employee
50$131,336
Tami GutierrezAVP-Human Resources
Highest-paid employee
50$127,370
Melanie GlidwellAVP-Consumer Lending
Highest-paid employee
50$126,467
Justin TrosclairVP-Contact Center
Former
50$112,263
Nancy PresselBoard Chairperson
Trustee or director
2$0
John RobertsBoard Vice Chairperson
Trustee or director
2$0
Jodie RobinsonBoard Secretary
Trustee or director
2$0
Theresa TschirkyBoard Director
Trustee or director
2$0
Terri Bryant-HarrellBoard Director
Trustee or director
2$0
John ShinnemanBoard Deputy Secretary
Trustee or director
2$0
Robert Daniel CrouseBoard Treasurer
Trustee or director
2$0
Jon HardestyBoard Deputy Treasurer
Trustee or director
2$0
Michael GalloBoard Director
Trustee or director
2$0

Address and contacts

Address (IRS master file)
5640 DEMOCRACY DR, PLANO, TX 75024-3514
In care of
% ROBERT MCDONALD
Principal officer (990 for 2025)
ROBERT MCDONALD, PO BOX 250169, PLANO, TX 750250169
Signed the 990
Katie Full, VP Accounting and Finance
Phone
(214) 291-1776
Website
ITCU.ORG

Mission

The credit union is a member owned cooperative financial institution that provides Lending and Deposit services to its membership.

990 for the year ended December 31, 2025

Program accomplishments

  • 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.
    Expenses $10,179,469 · revenue $9,680,742
  • 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.
    Expenses $6,280,052 · revenue $33,682,007
  • 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.
    Expenses $2,808,004 · revenue $3,461,793

What it must file and when

IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.

Tax yearYear endedDueIRS public records
2025December 31, 2025May 15, 2026990 on file
2024December 31, 2024May 15, 2025990 on file
2023December 31, 2023May 15, 2024990 on file

IRS record

EIN
75-1447986
Tax-exempt status
501(c)(14): State-chartered credit union
Exempt since
1976
Accounting year ends
December
Files
Form 990 or 990-EZ
Assets (IRS master file)
$817,904,429
Income (IRS master file)
$82,612,647

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2025$54,977,010$53,552,687$817,904,429IRS
990December 2024$56,988,098$69,479,259$834,353,721XML
990December 2023$57,946,260$64,976,413$920,409,034XML
990December 2022$47,406,759$52,269,291$1,046,983,946IRS
990December 2021–––IRS
990December 2020–––IRS
990December 2018–––IRS

990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 75-1447986).

Questions about INTOUCH CREDIT UNION

What is the EIN of INTOUCH CREDIT UNION?
The employer identification number (EIN) of INTOUCH CREDIT UNION is 75-1447986.
Is INTOUCH CREDIT UNION tax-exempt?
Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1976.
Which annual return does INTOUCH CREDIT UNION file?
Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
When is the next return of INTOUCH CREDIT UNION due?
The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
When did INTOUCH CREDIT UNION last file with the IRS?
The latest return in the IRS public files is the 990 for the year ended December 2025.
Who is the principal officer of INTOUCH CREDIT UNION?
The 990 for the year ended December 31, 2025 names ROBERT MCDONALD.
Who are the officers and directors of INTOUCH CREDIT UNION?
The 990 for the year ended December 31, 2025 lists 24 people; 15 received compensation from the organization, the highest $1,023,485 (Kent L Lugrand, President-CEO).
How much revenue does INTOUCH CREDIT UNION have?
On its 990 for the year ended December 31, 2025 it reported revenue of $54,977,010, expenses of $53,552,687 and total assets of $817,904,429 at year end.

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