Rally Credit Union

Nonprofit profile at a glance

EIN
741237070
IRS 990 coverage
2013–2025
Official website data refreshed
Sep 2026
Forms available
Form 990 2025
Location
Corpus Christi, TX, US
Phone
1-800-622-3631
Rating confidence
Limited

Official website

Reported finances

Revenue
$362,557,227
Expenses
$314,011,302
Assets
$4,713,372,266
Liabilities
$4,064,486,895

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

24 people listed

Executive titles in this filing

  • DANA SISK (PRESIDENT/CEO)
  • CYNTHIA RAMOS (EXECUTIVE VICE PRESIDENT)

Highest reported compensation

  • DANA SISK (PRESIDENT/CEO): $1,165,314 total reported compensation
  • CYNTHIA RAMOS (EXECUTIVE VICE PRESIDENT): $479,991 total reported compensation
  • DANIEL DIBBLE (CHIEF CONSUMER LENDING OFFICER): $427,089 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

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 it reported doing in 2025

Rally credit union is a cooperative, member-owned, non-profit provider of financial services to members. We provide auto, home and business loans to the community. As of december 31, 2025, the total number of loans issued was 122,088 and the total outstanding balance of loans issued was $4,139,581,175.

Operating model

Revenue model
Earned-program. 95% of the money available for current operations came from fees and other program revenue.
Distribution model
Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.

The verdict

- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.

Rating breakdown

  • Financial Efficiency: NotEnoughData
  • Transparency & Controls: 82
  • Accountability: 77
  • Sustainability: 71
  • Growth: 60

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: Limited
  • Program expense ratio: Limited
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 66th percentile among comparable filings
  • Pay-setting controls: 3 of 6 controls in place; rating input score 50
    • Compensation committee: Pass
    • Independent consultant: Missing
    • Other Form 990s reviewed: Missing
    • Written employment contract: Missing
    • Compensation survey or study: Pass
    • Board or committee approval: Pass
  • Foreign activity oversight: Limited
  • Grant itemization coverage: 100%; rating input score 100; 81st percentile among comparable filings
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 65th percentile among comparable filings
  • Governance controls: 4 of 9 controls in place; rating input score 44
    • Conflict-of-interest policy: Fail
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: Fail
    • Form 990 shared with the board: Fail
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Missing
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: 13.4%; rating input score 77; 77th percentile among comparable filings
  • Total-asset coverage ratio: 15.01; rating input score 88; 88th percentile among comparable filings
  • Liabilities to assets ratio: 0.86; rating input score 14; 14th percentile among comparable filings
  • Officer compensation ratio: 1.8%; rating input score 64; 64th percentile among comparable filings

Growth

  • Program expense growth: Limited
  • Revenue growth: 9.9% per year; rating input score 100; 72nd percentile among comparable filings
  • Asset growth: 7.2% per year; rating input score 100; 51st percentile among comparable filings

Details

  • What they do: 1 operating location identified
  • Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
  • Governance: 9 of 9 board members independent · 4 of 9 filing controls reported
  • Programs: 3 filed program accomplishments
  • Leadership: top reported pay $1.2M · 24 people listed · 3 of 6 pay-setting controls reported
  • Highest-paid contractors: 5 contractors listed · $23.7M reported
  • Consistency: 11 of 11 current checks pass
  • Schedules: 4 filed schedules · includes grants and executive pay
  • Filing history: 12 filing years from 2013 to 2025
  • Contacts: How to reach this organization
  • Money network: 24 filed money-flow records
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • Moderate — Accountability: Governance controls: 4 of 8 not reported.
  • High — Sustainability: Liabilities to assets ratio scored 14/100.