Rally Credit Union is a federally insured state-chartered credit union headquartered in Corpus Christi, Texas, in business for about 71 years. At the end of Q2 2026 it reported $4.8B in total assets and $4.0B in member shares and deposits, with 23 offices.
Based on its Q2 2026 filing, Rally Credit Union scores 76/100, which we describe as strong. That is higher than 79% of 454 credit unions with $1 billion – $10 billion. Among 380 credit unions headquartered in Texas, it ranks 155th. Its strongest component is capital cushion (90/100; 14.02%), and its lowest is funding & liquidity (54/100; 105% loans-to-deposits, 16% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 7 points (69 → 76), mostly because the earnings component improved by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 70 |
| Q4 2024 | 69 |
| Q1 2025 | 72 |
| Q2 2025 | 69 |
| Q3 2025 | 73 |
| Q4 2025 | 73 |
| Q1 2026 | 77 |
| Q2 2026 | 76 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.54% |
| Q3 2024 | 13.50% |
| Q4 2024 | 13.44% |
| Q1 2025 | 13.19% |
| Q2 2025 | 13.29% |
| Q3 2025 | 13.56% |
| Q4 2025 | 13.75% |
| Q1 2026 | 13.92% |
| Q2 2026 | 14.02% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.73% |
| Q3 2024 | 0.81% |
| Q4 2024 | 0.84% |
| Q1 2025 | 0.65% |
| Q2 2025 | 0.78% |
| Q3 2025 | 0.81% |
| Q4 2025 | 0.96% |
| Q1 2026 | 0.77% |
| Q2 2026 | 0.75% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.60% |
| Q3 2024 | 0.64% |
| Q4 2024 | 0.60% |
| Q1 2025 | 0.78% |
| Q2 2025 | 0.58% |
| Q3 2025 | 0.93% |
| Q4 2025 | 1.03% |
| Q1 2026 | 1.30% |
| Q2 2026 | 1.16% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $4.8B | 14.02% | 0.75% | 1.16% | 105.0% |
| Q1 2026 | 77 | $4.8B | 13.92% | 0.77% | 1.30% | 102.6% |
| Q4 2025 | 73 | $4.7B | 13.75% | 0.96% | 1.03% | 105.1% |
| Q3 2025 | 73 | $4.7B | 13.56% | 0.81% | 0.93% | 104.3% |
| Q2 2025 | 69 | $4.6B | 13.29% | 0.78% | 0.58% | 104.0% |
| Q1 2025 | 72 | $4.7B | 13.19% | 0.65% | 0.78% | 103.2% |
| Q4 2024 | 69 | $4.5B | 13.44% | 0.84% | 0.60% | 104.9% |
| Q3 2024 | 70 | $4.4B | 13.50% | 0.81% | 0.64% | 104.7% |
| Q2 2024 | 71 | $4.4B | 13.54% | 0.73% | 0.60% | 104.5% |
454 peers · $1 billion – $10 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Gecu Federal Credit UnionCredit union El Paso, TX | 75 out of 100, Strong | $4.7B | 13.6% | 1.00% | vs |
| Eecu Credit UnionCredit union Fort Worth, TX | 81 out of 100, Strong | $4.9B | 12.7% | 0.45% | vs |
| Texas Dow Employees Credit UnionCredit union Houston, TX | 49 out of 100, Below average | $5.0B | 10.2% | 1.77% | vs |
| Credit Human Federal Credit UnionCredit union San Antonio, TX | 43 out of 100, Below average | $4.3B | 7.3% | 1.09% | vs |
| University Federal Credit UnionCredit union Austin, TX | 60 out of 100, Moderate | $4.3B | 9.7% | 1.11% | vs |
| First Community Credit UnionCredit union Houston, TX | 58 out of 100, Moderate | $3.1B | 8.0% | 0.39% | vs |
Deposit insurance
Is my money safe at Rally Credit Union?
Yes. Rally Credit Union is a federally insured credit union (NCUA charter #68615). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 15.7% of shares and deposits ($632.8M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 14.02%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
23 locations
Branches
Rally Credit Union lists 23 offices in 14 cities. Most locations:
- Corpus Christi, TX (9)
- McAllen, TX (2)
- Alamo, TX (1)
- Aransas Pass, TX (1)
- Beeville, TX (1)
- Brownsville, TX (1)
- Harlingen, TX (1)
- Kingsville, TX (1)
- Mission, TX (1)
- Palmhurst, TX (1)
- Pharr, TX (1)
- Portland, TX (1)
HMDA 2025
Mortgage lending
In 2025, Rally Credit Union reported 4,739 home-loan applications under HMDA (LEI 549300CPM35KXH0BZ823): 1,474 originated ($288,190,000 total), 1,875 denied, and 976 withdrawn or closed by the applicant. Its denial rate on decided applications was 49.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Rally Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68615
- RSSD ID
- 930189
- Primary regulator
- State + NCUA
- Established
- 1955
- Headquarters
- PO Box 81349, Corpus Christi, TX 78468
- Employees
- 765
Quick answers
Rally Credit Union: common questions
Is Rally Credit Union NCUA insured?
Yes. Rally Credit Union is a federally insured credit union (NCUA charter #68615). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Rally Credit Union's TellerScore?
76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Rally Credit Union have?
23 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Corpus Christi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX | 96 out of 100, Very strong | $17.1M | 20.3% | 0.00% | vs |
| First State Bank of OdemBank Odem, TX | 95 out of 100, Very strong | $212.6M | 14.4% | 0.00% | vs |
| Members First Credit UnionCredit union Corpus Christi, TX | 87 out of 100, Very strong | $183.2M | 24.0% | 1.04% | vs |
| Synergy Federal Credit UnionCredit union San Antonio, TX | 86 out of 100, Very strong | $334.2M | 15.8% | 0.29% | vs |
| ValueBank TexasBank Corpus Christi, TX | 85 out of 100, Very strong | $303.6M | 12.5% | 0.00% | vs |
| Nce Credit UnionCredit union Corpus Christi, TX | 85 out of 100, Very strong | $5.9M | 20.8% | 0.00% | vs |