Rally
Corpus Christi, TX · NCUA #68615 · $4.77B in assets
Rally in Corpus Christi, TX, has $4.77B in assets and a letter grade of C, better than 47.3 percent of the 449 other credit unions with $1 billion to $10 billion in assets. Uninsured deposits are 15.7 percent of deposits, lower than 13.8 percent of similar credit unions. The loan delinquency rate is 0.8 percent, lower than 33.6 percent of similar credit unions. Its net worth ratio, net worth as a share of assets, is 13.9 percent, higher than 88.6 percent of similar credit unions, and the letter is a similar-size comparison, not a verdict. Figures are from NCUA call report data for the quarter ending March 31, 2026.
Rally is compared with 449 other credit unions with $1 billion to $10 billion in assets. Balances above the insurance limit represent 15.7 percent of member deposits, worse than 86.2 percent of similar credit unions. Net worth, assets minus what it owes, is 13.9 percent of assets, better than 88.6 percent of similar credit unions. Overdue loans represent 0.8 percent of all loans, worse than 66.4 percent of similar credit unions.
Ratios behind the grade
Shares above the insured limit
15.7%15.7 percent of the credit union's member shares and deposits are above the NCUA insurance limit. This is better than 13.8 percent of credit unions with $1 billion to $10 billion in assets, and a lower share means more members' money is within the insurance limit.
Loan delinquency
0.8%At 0.8 percent, loans behind on payments make up that share of total loans and leases, better than 33.6 percent of similar credit unions. Loan quality matters because missed payments can reduce earnings and weaken the institution’s financial cushion.
Net worth vs assets
13.9%At 13.9 percent of assets, net worth is the credit union equivalent of a bank capital ratio; 88.6 percent of similar credit unions have a lower ratio. This cushion absorbs losses for members, and the NCUA treats ratios of 7 percent or more as well capitalized.
Held-to-maturity securities vs net worth
0.0%Debt securities the credit union intends to hold to maturity equal 0.0 percent of net worth at amortized cost, purchase cost adjusted over time, and 64.9 percent of similar credit unions have a larger position. The NCUA publishes no fair value for these securities, so the figure shows exposure to interest rate moves, not an unrealized or current paper loss, a decline without any sale.
Grade history
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Data: NCUA call report, quarter ending March 31, 2026 · How we grade