BlastPoint's Credit Union Scorecard
RALLY
Charter #68615 · TX
RALLY has 8 strengths but faces 3 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 0.23% above tier average
- + Net Interest Margin 0.72% above tier average
- + Total Loans: Top 0.1% in tier
- + Net Worth Ratio: Top 5.2% in tier
- + Total Deposits: Top 5.2% in tier
- + Fee Income Per Member: Top 6.5% in tier
- + Efficiency Ratio: Top 7.8% in tier
- + Total Assets: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 6.4% in tier
- - Indirect Auto Dependency: Bottom 64.2% in tier
- - Indirect Auto Concentration (%): Bottom 6.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 77 credit unions with $3B-$5B in assets nationally, and 1 of 6 that size in Texas.
- Shares and deposits +3.9% year over year ($4.04B in shares and deposits).
- Membership: 241,597 members, +3.8% vs a year ago.
- Delinquency rate 0.75%.
- Return on assets 1.16%.
- Efficiency ratio 55.92% vs a 69.45% peer average.
- Loan-to-share ratio 105.00% vs a 90.24% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
241,597
+3.8% YoY+0.4% QoQ
|
+25.1K |
216,545
-9.5% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
68% |
| Assets |
$4.8B
+3.6% YoY+0.3% QoQ
|
+$877.5M |
$3.9B
-1.6% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Top 9.1% in tier |
| Loans |
$4.2B
+4.9% YoY+2.4% QoQ
|
+$1.3B |
$2.9B
-1.2% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Top 1.3% in tier |
| Deposits |
$4.0B
+3.9% YoY+0.1% QoQ
|
+$778.0M |
$3.3B
-2.6% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Top 6.5% in tier |
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| ROA |
1.2%
+102.6% YoY-10.6% QoQ
|
+0.2% |
0.9%
+25.3% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
70% |
| NIM |
4.0%
+9.8% YoY+1.7% QoQ
|
+0.7% |
3.2%
+3.8% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 11.7% in tier |
| Efficiency Ratio |
55.9%
-5.5% YoY+0.8% QoQ
|
-13.5% |
69.5%
-2.3% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Top 7.8% in tier |
| Delinquency Rate |
0.8%
-3.6% YoY-3.0% QoQ
|
-0.1 |
0.8%
+5.5% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
60% |
| Loan To Share |
105.0%
+0.9% YoY+2.4% QoQ
|
+14.8% |
90.2%
+0.9% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Top 11.7% in tier |
| AMR |
$34,240
+0.6% YoY+0.9% QoQ
|
+$3K |
$31,018
+6.9% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
75% |
| CD Concentration |
43.9%
-2.1% YoY+0.3% QoQ
|
+14.8% | 29.1% | 21.6% | 20.0% | Top 6.9% in tier |
| Indirect Auto % |
47.8%
-3.2% YoY-0.3% QoQ
|
+29.7% | 18.1% | 6.9% | 7.7% | Bottom 4.8% in tier |
Signature Analysis
Strengths (0)
Concerns (2)
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.
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)