State credit union · Corpus Christi, Texas · NCUA charter #68615
Rally
Health score 88/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $4.71B
- Total assets
- 238,742
- Members
- 13.6%
- Net-worth ratio
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 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)82
- Earnings (ROA)100
- Member growth96
- Liquidity (loan-to-share)57
Weighted composite: 88/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
13.63% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.63% | 30% |
| Delinquency Rate | 0.96% | 25% |
| Return on Assets | 0.57% | 15% |
| Member Growth | 4.45% | 15% |
| Loan-to-Share Ratio | 105.14% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Rally
238,742 members and $4.71B in total assets sit behind Rally, a state credit union in Corpus Christi, Texas, which posts a health score of 88/100 (Excellent) on the five-factor composite, with $4.14B in outstanding loans as of Q4 2025 and a net worth ratio of 13.63% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #68615 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
Deposits deployed into lending sit at a 105.14% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.96% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Return on assets stands at 0.57% on net income of $26.8M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 4.45%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.63% 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 13.63% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.