Rally Credit Union
501(c)(14)
Only null% goes to programs Strong reserves Growing revenue
Rally Credit Union is a 501(c)(14) organization based in Corp Christi, Texas, registered in 1976, with $295,398,561 in FY2023 revenue. CharityIndex grades it B+.
2730 Rodd Field Rd, Corp Christi, TX, 78414 EIN 74-1237070 Since 1976
Revenue (FY2023)
$295.4M
▲ 20.1% vs prior year
Expenses (FY2023)
$241.6M
Net assets
$563.0M
Employees
798
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
B+
—Program efficiency40% of the ratingNo expense breakdown in filings
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. Not scored for Rally Credit Union— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
AFinancial health25% of the rating28 mo reserves · +18% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For Rally Credit Union: 28 mo reserves · +18% margin earns a A on this criterion. See the exact thresholds →
BGovernance25% of the rating4 of 6 checks met
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. For Rally Credit Union: 4 of 6 checks met earns a B on this criterion. See the exact thresholds →
ATransparency10% of the rating4 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For Rally Credit Union: 4 of 5 disclosure signals earns a A on this criterion. See the exact thresholds →
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Mission
To meet the financial needs and goals of our members. provide savings, share draft and share certificate accounts and auto, consumer and commercial loans.
What they do
Rally credit union provides deposit accounts to members. as of december 31, 2023, the total number of members was 221,386 with the total number of deposit accounts issued of 400,661,and total outstanding balance of deposit accounts in the amount of $3,576,635,920.
Rally credit union also provides atm & itm access to members. during 2023, the total number of atm & itm transactions for our members at our machines totaled 2,020,226.
Contact & location
- Address
- 2730 Rodd Field Rd, Corp Christi, TX, 78414
- City
- Corp Christi
- State
- Texas
- Category
- —
- Subcategory
- —
- Phone
- …
- Website
- …
Financial trends
Revenue grew from $119.6M (FY2013) to $295.4M (FY2023) across 11 reported years.
Financial snapshot
Financial health & position (FY2023)
Liabilities $3.7BNet assets $563.0M
Operating margin
18.2%
Revenue exceeded expenses in the latest fiscal year.
Total assets
$4.3B
Total liabilities
$3.7B
Net assets
$563.0M
Salaries & benefits
$56.1M
23% of expenses
Board members
9
9 independent
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2023 | $295,398,561▲20.1% | $241,636,768▲39.7% | $563,002,090▲9.3% | $4,302,657,272▲4.8% | 990 |
| 2022 | $245,877,072▲13.4% | $173,019,197▲12.2% | $514,885,982▲19.7% | $4,104,675,190▲1.5% | 990 |
| 2021 | $216,741,381▲2.8% | $154,198,303▼11.8% | $430,290,678▲18.0% | $4,042,196,028▲10.3% | 990 |
| 2020 | $210,861,484▲9.5% | $174,773,021▲12.0% | $364,588,007▲8.0% | $3,664,310,843▲12.3% | 990 |
| 2019 | $192,613,593▲16.7% | $155,981,446▲15.2% | $337,706,986▲11.1% | $3,263,904,258▲9.9% | 990 |
| 2018 | $164,993,255▲12.3% | $135,394,835▲11.4% | $304,087,858▲8.9% | $2,970,687,295▲10.0% | 990 |
| 2017 | $146,964,565▲7.3% | $121,488,868▲10.6% | $279,279,545▲8.6% | $2,700,862,976▲8.1% | 990 |
| 2016 | $136,976,852▲3.9% | $109,853,563▲5.1% | $257,078,187▲10.9% | $2,498,149,588▲5.8% | 990 |
| 2015 | $131,797,494▲3.1% | $104,526,723▼1.3% | $231,797,514▲10.9% | $2,361,365,208▲5.1% | 990 |
| 2014 | $127,864,714▲6.9% | $105,898,719▲19.2% | $209,039,478▲12.5% | $2,247,270,292▲12.1% | 990 |
| 2013 | $119,621,009 | $88,822,356 | $185,777,051 | $2,004,665,638 | 990 |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Leadership & compensation (FY2023)
Highest-paid: Dana Sisk — $707,018 (0.29% of total expenses)
| Name | Title | Hours/week | Compensation |
|---|---|---|---|
| Dana Sisk | President/ceo | 40 | $707,018 |
| Gerry Morrow | Former President/ceo | 40 | $586,730 |
| Cynthia Ramos | Chief Operations Officer | 40 | $461,312 |
| Daniel Dibble | Chief Lending Officer | 40 | $435,411 |
| Roman Escobar | Chief Real Estate Officer | 40 | $418,883 |
| Virginia Whitham | Chief Human Resources Officer | 40 | $386,061 |
| Ashley Smith | Chief Marketing Officer | 40 | $362,897 |
| Carrie Huff | Chief Financial Officer | 40 | $343,643 |
| Shannon Srp | Chief Technology Officer | 40 | $291,856 |
| Clare Fowler | Former Svp Operations Technology | 40 | $262,952 |
| Gerald Pennington | Vp Indirect Auto Lending | 40 | $249,268 |
| Jamie Aguilar | Vp Mortgage Origination | 40 | $207,034 |
| Anita Cadena | Vp Audit Compliance | 40 | $206,947 |
| Terri Young | Vp Branch Operations | 40 | $203,140 |
| Maria Karaca | Svp Commercial Lending | 40 | $194,404 |
| Richard Platz | Former Svp Consumer Lending | 40 | $173,121 |
| John Chapman | Chair | 3 | $14,400 |
| Theresa Gonzales | Secretary | 3 | $13,200 |
| Pedro Rivera Jr | Director | 3 | $12,600 |
| Richard B Stone | Director | 3 | $12,600 |
Top vendors & contractors (FY2023)
| Contractor | Services | Paid |
|---|---|---|
| Fiserv | Software and Operation Services | $5,016,309 |
| Moorehead Dotts Rybak | Professional Services | $4,383,771 |
| Centre | Professional Services | $2,947,707 |
| Ftsi | Professional Services | $2,801,270 |
| Q2 Ebanking | Professional Services | $2,475,826 |
Grants made · $6,000 in FY2015
1 grant totaling $6,000 in FY2015. All grants made by Rally Credit Union →
| Recipient | Purpose | Amount |
|---|---|---|
| Credit Union Foundation | Purchase of tickets 10 tickets to event in support of foundation programs | $6,000 |
Frequently asked questions
- Is Rally Credit Union a legitimate nonprofit?
- Yes. Rally Credit Union is a 501(c)(14) organization registered with the U.S. Internal Revenue Service under EIN 74-1237070, based in Corp Christi, Texas.
- What is Rally Credit Union's EIN?
- Rally Credit Union's Employer Identification Number (EIN) is 74-1237070.
- How much revenue does Rally Credit Union report?
- Rally Credit Union reported $295,398,561 in total revenue on its fiscal year 2023 IRS Form 990 filing.
- What financial grade does Rally Credit Union have?
- CharityIndex grades Rally Credit Union B+, based on financial health (reserves and operating margin).
- How much does Rally Credit Union's highest-paid employee make?
- The highest reported compensation on Rally Credit Union's latest Form 990 is $707,018, paid to Dana Sisk (President/ceo).
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Data for Rally Credit Union (EIN 74-1237070) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.