Rally Credit Union
Total assets
$4.77B
▲ +2.3% YoY
Shares & deposits
$4.03B
▲ +3.8% YoY
Loans
$4.14B
▲ +3.2% YoY
Members
240,632
▲ +3.7% YoY
ROA (annualized)
1.30%
peers 0.71%
ROE (annualized)
9.33%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | Rally Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +5.1% | -2.8 pts |
| Share growth (YoY) | +3.8% | +4.9% | -1.0 pts |
| Loan growth (YoY) | +3.2% | +5.4% | -2.3 pts |
| ROA | 1.30% | 0.71% | +0.6 pts |
| ROE | 9.3% | 6.3% | +3.1 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
Profile
- Established
- 1955
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 81349, Corpus Christi, TX, 78468
- NCUA charter #
- 68615
- RSSD ID
- 930189
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.77B | $4.03B | $4.14B | $664.4M | $15.5M | 1.30% | 3.88% | 0.77% | 240,632 |
| Q4 2025 | $4.71B | $3.94B | $4.14B | $648.9M | $48.5M | 1.03% | 3.72% | 0.96% | 238,742 |
| Q3 2025 | $4.66B | $3.92B | $4.08B | $633.0M | $32.7M | 0.93% | 3.67% | 0.81% | 235,887 |
| Q2 2025 | $4.61B | $3.88B | $4.04B | $613.7M | $13.3M | 0.58% | 3.62% | 0.78% | 232,836 |
| Q1 2025 | $4.66B | $3.88B | $4.01B | $616.2M | $9.1M | 0.78% | 3.47% | 0.65% | 231,977 |
| Q4 2024 | $4.50B | $3.76B | $3.94B | $607.1M | $26.8M | 0.60% | 3.30% | 0.84% | 228,572 |
| Q3 2024 | $4.44B | $3.70B | $3.88B | $601.5M | $21.2M | 0.64% | 3.28% | 0.81% | 225,835 |
| Q2 2024 | $4.37B | $3.62B | $3.79B | $593.3M | $13.1M | 0.60% | 3.27% | 0.73% | 224,585 |
Loan mix (Q1 2026): real estate $1.47B · commercial $218.1M · consumer $2.39B · securities $4.3M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Rally Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 0.71% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 6.3% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.32% | 86th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.5% | 73.0% | 5th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Rally Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Rally Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Rally Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Rally Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- Eecu Credit UnionFort Worth, TX · $4.76B
- GECU Federal Credit UnionEl Paso, TX · $4.66B
- Texas Dow Employees Credit UnionHouston, TX · $5.10B
- Credit Human Federal Credit UnionSan Antonio, TX · $4.38B
- University Federal Credit UnionAustin, TX · $4.27B
- First Community Credit UnionHouston, TX · $2.96B
Selling to Rally Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.