Rally Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). A current level of 5.6 percent of nonperforming loans to core capital combined with 5.0 percent from a year earlier contributes to the Good asset quality (6.5).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.2 and a net worth ratio of 13.6. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.3 has resulted in Excellent (7.7) profitability.
Asset Mix:
Consumer loans (51%), home mtgs (28%), other (21%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
2730 Rodd Field Road
Corpus Christi, TX 78414
Corpus Christi, TX 78414
Phone Number
(361) 986-4500
NCUA Charter Number
Website
Largest Competitors
Corpus Christi, TX
Corpus Christi, TX
Corpus Christi, TX
Corpus Christi, TX
Corpus Christi, TX
