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
- NW 88/100
- DELQ 13.9%
- ROA 0.96%
- ASSETS 0.57%
- MEM $4.71B
- RANK 238,742
- PHOTO #1,434/4,374
- BOOK ORNL
- CHARTER 68615
Call Report peers
RALLY in the assets neighbourhood
RALLY's $4.71B assets sit next to ORNL ($4.71B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
RALLY vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Charter #68615's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
RALLY: 2025Q4 → 2026Q1
RALLY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $4.71B (2025Q4) to $4.77B (2026Q1).
- Net-worth ratio shifted +0.17 pp (13.75% → 13.92%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for RALLY - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($4.71B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is RALLY financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - RALLY's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,434 of 4,374; by total assets it ranks #96 of 4,374 nationally (same basis as /rankings/largest); and #6 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.92% net worth ratio and 0.96% delinquency rate are the key drivers.
How does RALLY compare to other credit unions?
RALLY scores 88/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like RALLY are 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."
What rates does RALLY offer compared to banks?
Credit unions like RALLY are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact RALLY directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.