State credit union · Corpus Christi, Texas · NCUA charter #68615
RALLY
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $4.71B
- Total assets
- 238,742
- Members
- 13.9%
- Net-worth ratio
RALLY scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.71B; members 238,742; net-worth ratio 13.92%; health rank #1,434 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,434 of 4,374 health · 2025Q4RALLY · health 88/100 · $4.71B · 2025Q4
Call Report peers
RALLY in the assets neighbourhood
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RALLY vs every NCUA-scored credit union
RALLY sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
RALLY: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +21.24 pp (105.14% vs 83.90%).
- Largest lag: Delinquency Rate at 0.96% vs peer 0.87% (+0.08 pp).
Texas standing for RALLY
- In Texas, health place is #136 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #6 of 386 inside Texas ($4.71B reported).
- Texas membership ordinal: #10 of 386.
- One place up in Texas, Brazos Star (#135) ties at 88/100; one place down, GENCO (#137) ties at 88/100.
RALLY: 2025Q4 → 2026Q1
RALLY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $4.71B (2025Q4) to $4.77B (2026Q1).
- Net-worth ratio shifted +0.17 pp (13.75% → 13.92%).
13.92% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
RALLY gives up 12 points in total. Loan-to-Share Ratio costs the most, 6.4 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.4 pts
- Return on Assets 15.0 pts
- Member Growth 14.3 pts
- Loan-to-Share Ratio 8.3 pts
RALLY vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.92% | +2.74 pp |
| Delinquency Rate | 0.96% | +0.08 pp |
| Return on Assets | 0.57% | +0.06 pp |
| Member Growth | 4.45% | - |
| Loan-to-Share Ratio | 105.14% | +21.24 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - RALLY
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.77B | - |
| 2025Q4 | $4.71B | 238,742 |
| 2024Q4 | $4.50B | 228,572 |
| 2023Q4 | $4.30B | 221,386 |
Credit Union Details
- Charter Number
- 68615
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- Corpus Christi
- Data Quarter
- 2025Q4
Branch Locations (23)
Per its most recent NCUA branch filing, RALLY runs 23 offices in 14 different cities.
| Office | City |
|---|---|
| JWV Administration Building (Main Office) | Corpus Christi, TX |
| Alamo | Alamo, TX |
| Aransas Pass | Aransas Pass, TX |
| Beeville Branch | Beeville, TX |
| Brownsville Branch | Brownsville, TX |
| Spohn | Corpus Christi, TX |
| Crosstown | Corpus Christi, TX |
| Flour Bluff | Corpus Christi, TX |
| Northwest Branch | Corpus Christi, TX |
| Airline Branch | Corpus Christi, TX |
| NAS Branch | Corpus Christi, TX |
| Kostoryz Branch | Corpus Christi, TX |
| Calallen | Corpus Christi, TX |
| Harlingen Branch | Harlingen, TX |
| Kingsville Branch | Kingsville, TX |
| Northcross Branch | McAllen, TX |
| Northgate | McAllen, TX |
| Mission | Mission, TX |
| Palmhurst | Palmhurst, TX |
| Pharr | Pharr, TX |
| Portland Branch | Portland, TX |
| Rockport Branch | Rockport, TX |
| Weslaco | Weslaco, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Cross-state Call Report peers for RALLY
Similar total assets
Similar health score
Using this data
- RALLY ranks #1,434 of 4,374 nationally on financial health and #136 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EECU is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EECU
Frequently Asked Questions
Is RALLY financially healthy?
On its 2025Q4 NCUA 5300 filing, RALLY scores 88/100 (Excellent), with a 13.92% net worth ratio and 0.96% of loans delinquent. It ranks #1,434 of 4,374 nationally on health and #136 of 386 in Texas.
How does RALLY compare to other credit unions?
RALLY scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (105.14% vs 83.90%). Its widest shortfall is delinquency rate (0.96% vs 0.87%).
How can I join RALLY?
Membership eligibility for RALLY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact RALLY directly for current membership requirements and application steps.
Is my money safe at RALLY?
RALLY is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. RALLY's net worth ratio of 13.92% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.