RALLY

Charter #68615 | TX

3B-5B (76 CUs) Mid-Market (380 CUs)
6 3B-5B in TX

RALLY has 9 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 18.1% in tier
  • + Relationship Depth Leader: Top 31.6% in tier
  • + Wallet Share Momentum: Top 34.3% in tier
  • + ROA 0.19% above tier average
  • + Net Interest Margin 0.49% above tier average
  • + Total Loans: Top 2.6% in tier
  • + Fee Income Per Member: Top 6.6% in tier
  • + Net Worth Ratio: Top 7.9% in tier
  • + Efficiency Ratio: Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 5.4% in tier
  • - Liquidity Strain: Bottom 8.4% in tier
  • - Growth-at-Risk: Bottom 27.0% in tier
  • - Liquidity Overhang: Bottom 27.1% in tier
  • - Credit Quality Pressure: Bottom 27.8% in tier
  • - Indirect Auto Concentration (%): Bottom 5.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 235,887
+4.5% YoY+1.3% QoQ
 -2.6K 238,465
+0.6% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 55th in tier
Assets $4.7B
+5.0% YoY+1.1% QoQ
 +$692.4M $4.0B
-0.1% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 Top 14.5% in tier
Loans $4.1B
+5.2% YoY+1.1% QoQ
 +$1.1B $3.0B
+3.3% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Top 3.9% in tier
Deposits $3.9B
+5.7% YoY+0.8% QoQ
 +$582.3M $3.3B
+1.1% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Top 15.8% in tier
ROA 0.9%
+46.1% YoY+63.5% QoQ
 +0.2% 0.7%
+5.3% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 60th in tier
NIM 3.7%
+11.5% YoY+2.6% QoQ
 +0.5% 3.2%
+13.7% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 Top 22.4% in tier
Efficiency Ratio 58.3%
-3.9% YoY-1.6% QoQ
 -13.0% 71.3%
-0.6% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Bottom 9.2% in tier
Delinquency Rate 0.8%
+0.2% YoY+3.7% QoQ
 -0.0 0.8%
+15.9% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 67th in tier
Loan To Share 104.3%
-0.4% YoY+0.2% QoQ
 +13.4% 90.8%
+2.0% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 Top 14.5% in tier
AMR $33,904
+1.0% YoY-0.4% QoQ
 +$5K $29,088
+0.1% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Top 22.4% in tier
CD Concentration 44.7%
-3.0% YoY-0.3% QoQ
 +15.7% 29.0%
+0.8% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 Top 5.8% in tier
Indirect Auto % 49.0%
-1.4% YoY-0.7% QoQ
 +30.2% 18.8%
-2.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 Top 5.5% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#132 of 246 • Top 18.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.45%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.94%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 49.03%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Relationship Depth Leader

growth
#229 of 264 • Top 31.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 0.98%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.8K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#249 of 264 • Top 34.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 0.98%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (5)

Indirect Auto Dependency

risk
#34 of 202 • Bottom 5.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 4.96%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 49.03%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.45%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Liquidity Strain

risk
#45 of 183 • Bottom 8.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 104.25%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 5.25%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

Growth-at-Risk

risk
#151 of 161 • Bottom 27.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 5.25%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.00% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY

Liquidity Overhang

risk
#88 of 113 • Bottom 27.1% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.56%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 104.25%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#214 of 217 • Bottom 27.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.00% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

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)

Comparing against 76 peers in tier

Top Strengths (10 metrics)

3
Total Loans
balance_sheet
Value: $4.08B
Peer Avg: $3.02B
#3 of 76 Top 2.6% in 3B-5B tier
6
Fee Income Per Member
profitability
Value: $294.38
Peer Avg: $191.96
#6 of 76 Top 6.6% in 3B-5B tier
7
Net Worth Ratio
risk
Value: 13.56%
Peer Avg: 10.75%
#7 of 76 Top 7.9% in 3B-5B tier
8
Efficiency Ratio
profitability
Value: 58.27%
Peer Avg: 71.26%
#8 of 76 Top 9.2% in 3B-5B tier
11
Loan-to-Share Ratio
balance_sheet
Value: 104.25%
Peer Avg: 90.85%
#11 of 76 Top 13.2% in 3B-5B tier
11
Total Assets
balance_sheet
Value: $4.66B
Peer Avg: $3.97B
#11 of 76 Top 13.2% in 3B-5B tier
12
Total Deposits
balance_sheet
Value: $3.92B
Peer Avg: $3.33B
#12 of 76 Top 14.5% in 3B-5B tier
13
Loan-to-Member Ratio (LMR)
engagement
Value: $17,305
Peer Avg: $13,761
#13 of 76 Top 15.8% in 3B-5B tier
17
Net Interest Margin (NIM)
profitability
Value: 3.69%
Peer Avg: 3.20%
#17 of 76 Top 21.1% in 3B-5B tier
17
Average Member Relationship (AMR)
engagement
Value: $33,904
Peer Avg: $29,088
#17 of 76 Top 21.1% in 3B-5B tier

Top Weaknesses (4 metrics)

73
Indirect Auto Concentration (%)
balance_sheet
Value: 49.03%
Peer Avg: 20.57%
#73 of 76 Bottom 5.3% in 3B-5B tier
69
Share Certificate Concentration (%)
balance_sheet
Value: 44.73%
Peer Avg: 30.70%
#69 of 76 Bottom 10.5% in 3B-5B tier
67
Members Per Employee (MPE)
engagement
Value: 295.228
Peer Avg: 433.941
#67 of 76 Bottom 13.2% in 3B-5B tier
66
Net Charge-Off Rate
risk
Value: 1.17%
Peer Avg: 0.64%
#66 of 76 Bottom 14.5% in 3B-5B tier