BlastPoint's Credit Union Scorecard
RALLY
Charter #68615 · TX
RALLY has 8 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.57% above tier average
- + Net Interest Margin 0.68% above tier average
- + Total Loans: Top 0.1% in tier
- + Fee Income Per Member: Top 2.6% in tier
- + Efficiency Ratio: Top 5.1% in tier
- + Net Worth Ratio: Top 6.4% in tier
- + Total Deposits: Top 7.7% in tier
- + Total Assets: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 7.0% in tier
- - Credit Quality Pressure: Bottom 28.2% in tier
- - Credit Risk Growth: Bottom 64.2% in tier
- - Indirect Auto Dependency: Bottom 76.8% in tier
- - Indirect Auto Concentration (%): Bottom 6.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
240,632
+3.7% YoY+0.8% QoQ
|
+20.2K |
220,435
-7.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
64% |
| Assets |
$4.8B
+2.3% YoY+1.1% QoQ
|
+$850.3M |
$3.9B
-1.5% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Top 10.3% in tier |
| Loans |
$4.1B
+3.2% YoY-0.1% QoQ
|
+$1.2B |
$2.9B
-1.1% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Top 1.3% in tier |
| Deposits |
$4.0B
+3.8% YoY+2.4% QoQ
|
+$734.4M |
$3.3B
-2.5% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Top 9.0% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.3%
+63.8% YoY+25.6% QoQ
|
+0.6% |
0.7%
+10.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Top 14.1% in tier |
| NIM |
3.9%
+9.9% YoY+3.9% QoQ
|
+0.7% |
3.2%
+4.6% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Top 10.3% in tier |
| Efficiency Ratio |
55.5%
-8.0% YoY-3.6% QoQ
|
-15.8% |
71.3%
-2.6% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Top 5.1% in tier |
| Delinquency Rate |
0.8%
+19.2% YoY-19.1% QoQ
|
+0.0 |
0.7%
+9.2% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
67% |
| Loan To Share |
102.6%
-0.6% YoY-2.4% QoQ
|
+14.6% |
88.0%
+0.9% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Top 10.3% in tier |
| AMR |
$33,946
-0.2% YoY+0.3% QoQ
|
+$3K |
$30,672
+5.5% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
74% |
| CD Concentration |
43.8%
-2.0% YoY-1.9% QoQ
|
+15.0% | 28.8% | 21.3% | 19.8% | Top 6.5% in tier |
| Indirect Auto % |
48.0%
-3.7% YoY-0.8% QoQ
|
+29.9% | 18.1% | 6.9% | 7.7% | Bottom 5.7% in tier |
Signature Analysis
Strengths (0)
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)