Rally Credit Union Corpus Christi, Texas
Rally Credit Union is a state-chartered credit union headquartered in Corpus Christi, TX, established in 1955 (NCUA charter 68615), and it is regulated and insured by the NCUA. At Q2 2026 it reported 241,597 members and total assets of $4.78B (up 3.6% from Q2 2025), the 6th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 14.02% at Q2 2026, in the well capitalized band.
Also written as Rally CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68615
- Headquarters
- Corpus Christi, TX
- Established
- 1955
- Total assets, Q2 2026
- $4.78B
- Assets vs Q2 2025
- +3.6%
- Members, Q2 2026
- 241,597
- Net worth ratio, Q2 2026
- 14.02%
- Latest call report
- Q2 2026, NCUA 5300 · Rally Credit Union call report
- Asset rank in state
- 6th of 377 in Texas
- Routing number
- 314978543
- Branches
- 23
It has 8,761 more members than on June 30, 2025 (+3.8%). Its net worth ratio was up 0.73 percentage points from 13.29% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.50B of $4.24B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.75% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 14.02% net worth ratio is above that band's 10.89% median.
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Frequently asked about Rally Credit Union
How big is Rally Credit Union?
At Q2 2026 it reported total assets of $4.78B and 241,597 members.
Where is Rally Credit Union headquartered?
It is headquartered in Corpus Christi, TX, United States.
When was Rally Credit Union founded?
It was established in 1955, per NCUA records.
Is Rally Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68615): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Rally Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Rally Credit Union well capitalized?
Its net worth ratio was 14.02% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Rally Credit Union's delinquency ratio?
Its delinquency ratio was 0.75% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Rally Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 105.00% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Corpus Christi, TX 78414
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1955
- NCUA Charter #
- 68615
- RSSD ID
- 930189
- Members
- 241,597
- Potential members
- 30,503,301
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 14.02% | 10.89% | 86th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.03% | 0.89% | 60th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 7.32% | 8.07% | 43rd below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 4.02% | 3.45% | 84th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 56.39% | 70.59% | over 90th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.20% | 1.68% | 16th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.75% | 0.68% | 45th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 6.22% | 5.12% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 105.00% | 88.03% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.78B total assets against $4.61B; $4.04B total shares and deposits against $3.88B; $4.24B total loans against $4.04B.
$670.2M net worth against $613.7M.
14.02% net worth ratio against 13.29%.
105.00% loan-to-share ratio against 104.04%.
0.75% delinquency ratio against 0.78%.
1.03% return on assets against 0.37%; 7.32% return on equity against 2.75%.
4.02% net interest margin against 3.73%.
241,597 members against 232,836.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.02% | 1.03% | 0.75% | 105.00% |
| March 31, 2026 | 13.92% | 1.30% | 0.77% | 102.58% |
| December 31, 2025 | 13.75% | 1.35% | 0.96% | 105.14% |
| September 30, 2025 | 13.56% | 1.66% | 0.81% | 104.25% |
| June 30, 2025 | 13.29% | 0.37% | 0.78% | 104.04% |
| March 31, 2025 | 13.19% | 0.78% | 0.65% | 103.21% |
Scroll sideways to see every column.
Watch flags
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.