# RALLY
Corpus Christi, TX · NCUA charter 68615 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/rally-68615

Who the members are: state charter, organized 1955, low-income designated, minority depository institution. 240,632 members of 30,503,301 potential (0.8% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $4.77B |
| Members | 240,632 (3.7% YoY) |
| Full-time staff | 737 |
| Net worth | $664.4M |
| Net worth ratio | 13.9% (p89 of band) |
| ROA (annualized) | 1.30% (p86 of band) |
| Total delinquency | 0.77% (p66 of band) |
| Net charge-offs (annualized) | 1.11% (p89 of band) |
| Loans / shares | 103% (p94 of band) |
| Cash / assets | 10.7% |
| Borrowings / assets | 1.05% |
| Net interest margin | 3.88% (p86 of band) |
| Operating expense / assets | 3.09% (p42 of band) |
| Vehicles % of loans | 55% (p93 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 87% |
| Third-party paper % of net worth | 299% (p85 of band) |
| Vehicle delinquency | 0.34% (p21 of band) |
| Vehicle NCO | 2.06% (p85 of band) |
| Repossessed % of vehicle book | 0.18% (p79 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 33% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 44% |
| Average share balance | $9,014 |
| Participations bought / yr | $0 |
| Participations sold / yr | $175.9M |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $34,348 |
| Loans granted, annualized | $1.39B |

## Participation posture (from the same filings)

Bought $0 and sold $175.9M in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $8.9M sold and retained. Sold in 3 and bought in 0 of the last 8 quarters. Shares 3.8% year over year.

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | charge-offs p90, repo signal, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | loans>95% of shares |  |
| 2017-03 | 2 |  | charge-offs p90, loans>95% of shares |
| 2017-06 | 5 | delinquency 2x band, delinquency rising, charge-offs p90, loans>95% of shares | repo signal |
| 2017-09 | 5 |  |  |
| 2017-12 | 5 |  |  |
| 2018-03 | 4 |  | charge-offs p90 |
| 2018-06 | 3 |  | delinquency rising |
| 2018-09 | 2 |  | delinquency 2x band |
| 2018-12 | 3 | delinquency 2x band |  |
| 2019-03 | 2 |  | delinquency 2x band |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | charge-offs p90 |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 4 | net worth falling |  |
| 2020-09 | 4 | auto monoline | net worth falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 | delinquency 2x band | loans>95% of shares |
| 2021-06 | 4 |  |  |
| 2021-09 | 5 | delinquency rising |  |
| 2021-12 | 4 |  | delinquency rising |
| 2022-03 | 4 |  |  |
| 2022-06 | 3 |  | delinquency 2x band |
| 2022-09 | 4 | delinquency 2x band, loans>95% of shares | auto monoline |
| 2022-12 | 3 |  | delinquency 2x band |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 4 | net worth falling |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 2 |  | charge-offs p90, net worth falling |
| 2025-09 | 3 | charge-offs p90 |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-09 [Corpus Christi executive leaders spearhead local women’s heart health movement - www.heart.org](https://news.google.com/rss/articles/CBMitgFBVV95cUxPem9mS3NhcmJXSFNJeFp2OEl6VXYzYU9fem5EZDJXYTJlTTd5Rkx3NkJPbTludUc3Vy0yR2JWcUhFTDBPZUlfNHZEV2hrVkVZSDIxV1VPTm96T1UybURUTHZKRG42VzAtNTBsSThTS0hqRDh5alJUWWs5MEFBYW1DWmFYRFJ0RmlDb01QaE4yT0IwRGhUbk9ya2xHTHY5dGZWMTJtbkZqbERmSzB4VThBUmVreG5PQQ?oc=5) · www.heart.org
- 2026-02-10 [Women’s Tennis Heads to Texas A&M-Corpus Christi for Showdown Matchup Wednesday - goutrgv.com](https://news.google.com/rss/articles/CBMiywFBVV95cUxOeEpBZDNUMmF6bmFZSUE3MjJvOUhKZDR2RzE4VHpCR0JWMHl4cXpENUt6bnlxMmFESlA2bDNMc2lFSGtrMUdSZHlvZ3RWOWRiMEdmTVdETEdfQ3J5c29LNHR3Zl9TVDBwSXFQN18wRVl3RjJYUGRPdTdlLUZ2QnBRRTI2WEJHWDN5Njh1WGZ3aXJyQVZ3R2RUYXZ4bklreFczaW0wdWE2eTFLcDVhRkd4YU56XzIzVmZrdUptazJDeXo4OTFjU1ZXNWxnNA?oc=5) · goutrgv.com
- 2023-05-26 [Rally Credit Union’s Rebranding Campaign Plays on Its New Name - The Financial Brand](https://news.google.com/rss/articles/CBMiugFBVV95cUxNRlRRb2FockVNTDBOZTdXUEpoSnBwMnhGb0NReGN5eWd1Tk5SRTUtSzFuQmE5VG5nTFEwNHpnYVlDWEs0MXc5NmI0ejFvb3pTVjJFeDQ4Ymp3akZyRFktMmxQQjNxNTFyWnU0LUg5X1B5dTFoLVhzSlRkUkRLOEEtRDRTeEp0WHVzNGhNakN0ekFWSmdRZFVxNU90UzE2dFZkcUV2U19ZUzduWXRCdFJrMTVUTkpLUjNzMVE?oc=5) · The Financial Brand
- 2023-11-15 [Complex fraud scheme sends Rally Credit Union customers into a panic - KRIS 6 News Corpus Christi](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNTkpPY0NHNUhRMVJ0eTB5UEJidlUyWjJOVjlNRFg2OURIa0ZQZ3puLXFLb1ZfVHBPeW5rYkdPWk5PYXIxX2kzNUtFQ3ZJekV5ZlZrSU9nZmZJVXoyc3VxOEZ3MVJQRm5DUmhlWU1zemE3VnVIWmlpc0Fxam9BR1pJc2FHZFBWVHlXQW1sWXlKRlVJenZKVTZPTW53YXNfd0dNd3dNYjlJWW44eUE?oc=5) · KRIS 6 News Corpus Christi
- 2026-03-20 [Men’s Tennis Ready to Open Conference Play Against Texas A&M-Corpus Christi Saturday - goutrgv.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxNUTFmYk50eWlBZDdsVDFfY3lnbEJJaE5WampZWncyMnh6Sy1vWkJTSmloNnNEV19DazR6TFg2ZXNyOU5KSGpUajJTbk43OHhhemlId0QyRUgzcnJzWm43Q0RIWC1YRWZraHVFZG5Fbzl4YVVfTjdVUVFNdm9RY1JFenAzZFg4SXo5b0N3SE9XNE9ITkVmQ29Zckoybmcxc3hZdlZadVFfSElxSkgwLURmMEpmQjM2VFBhYzJQcmVDTm1OUGNfZEZVRUVKbUlydDA?oc=5) · goutrgv.com
- 2023-06-14 [Rally Credit Union - KRGV](https://news.google.com/rss/articles/CBMiW0FVX3lxTFB2OC1iSXg5Nm01cnNRbFFwMG9iNG8yR3V5UFptNzRmeUd3QlNPVzBBM3hTUUlHWldreEhibENPVkQ0RThqdUlDUGc5TjIxTUF0ZENJdXgyS0NLTUk?oc=5) · KRGV
- 2025-11-16 [Alliance Credit Union breaks ground on new Amarillo branch with pep-rally celebration - Amarillo Globe-News](https://news.google.com/rss/articles/CBMiugFBVV95cUxOYi1PQk05Sm9uc3p0aTN0aXZWZzRMV01CWU9vQjZPa3N4Y1R5cEhtOUlVVEtMZzRtS2t6Zk4zUTJFWGlEUnp0cTdJb0JNY2lydWhQZ3FmcHFrR2xSZDJrMDNzUWxRQzJoTEhDRHBPOTVMV0xSQnVOc0JPRFJqUW9yT3VYS3NDa1BXcHdRTjRZQlRjNHJjaUlWbmhnV0Q0VDVRV0Rkci1CeUNpMklFZjVDNUpPUVNNSWFHN0E?oc=5) · Amarillo Globe-News
- 2023-07-03 [Rally Credit Union – new name, same soul - SouthTexasNews.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOcC1Nd0VsWkFjWEhMOWl0R0hUYmk4Q0V6M2IwVVljSGJnZnU5cGNGNHpLeXVaRnc4eTdvWkwtLXpSUWY3eDR2aTY5WjlxSEJtNTJ1NnhSbUtkcmVxb3JDMjBPR0FQT2hlLThIOUhIUUpmRU5oaWs3YTJqUUZKMkxYNll2Mjk0S1o2VWxtcTVqWHhxdHhlQVhhdHNGZTlIZ1lMdXBwZHVCU2xjNk51LUlJSHByZC1BZjhtMTNKbTBQcFVDWElsaFZXSEhvRTUxdmh2VnVORVVvRQ?oc=5) · SouthTexasNews.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68615 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/7.json (key "68615", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68615
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide