RALLY CREDIT UNION

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1955

Legal Domicile

Principal Officer

DANA SISK

Phone

3619867300

Tax Period

2025-01-01 to 2025-12-31

RALLY CREDIT UNION, founded in 1955, is a major nonprofit that reported $362.6M in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $314.0M left a modest 13% surplus.

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

Program Service Accomplishments

Program 1

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.

Program 2

RALLY CREDIT UNION PROVIDES DEPOSIT ACCOUNTS TO MEMBERS. AS OF DECEMBER 31, 2025, THE TOTAL NUMBER OF MEMBERS WAS 238,742 WITH THE TOTAL NUMBER OF DEPOSIT ACCOUNTS ISSUED OF 443,439,AND TOTAL...

RALLY CREDIT UNION PROVIDES DEPOSIT ACCOUNTS TO MEMBERS. AS OF DECEMBER 31, 2025, THE TOTAL NUMBER OF MEMBERS WAS 238,742 WITH THE TOTAL NUMBER OF DEPOSIT ACCOUNTS ISSUED OF 443,439,AND TOTAL OUTSTANDING BALANCE OF DEPOSIT ACCOUNTS IN THE AMOUNT OF $3,937,080,739.

Program 3

RALLY CREDIT UNION ALSO PROVIDES ATM AND ITM ACCESS TO MEMBERS. THE REVENUE AND EXPENSES ARE INCLUDED IN THE DEPOSIT PROGRAM.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $344,922,390

Investment Income $17,634,837

Other Revenue $0

TOTAL REVENUE $362,557,227

Expense Breakdown

Grants Paid $8,000

Salaries & Benefits $67,718,860

Fundraising Expenses $0

Other Expenses $246,284,442

TOTAL EXPENSES $314,011,302

Year-over-Year Comparison

	2025	2024	Change
Revenue	$362,557,227	$332,348,986	+0.1%
Expenses	$314,011,302	$305,532,884	+0.0%
Net Income	$48,545,925	$26,816,102	+0.8%

Key Indicators

✗ Grants to Organizations ✓ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

927

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$1,597,683

Total Directors

$109,950

Key Employees

$2,799,861

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN CHAPMAN	DIRECTOR	3.00	Director	$13,800	$0	$13,800
THELMA GARZA MANDEL	DIRECTOR	3.00	Director	$11,400	$0	$11,400
THERESA GONZALES	VICE CHAIR	3.00	Officer Director	$12,300	$0	$12,300
KENDRA KINNISON	TREASURER	3.00	Officer Director	$12,900	$0	$12,900
SYLVIA MARTINEZ	DIRECTOR	3.00	Director	$10,800	$0	$10,800
PEDRO RIVERA JR	FORMER DIRECTOR	3.00	Director	$6,600	$0	$6,600
RICHARD B STONE	DIRECTOR	3.00	Director	$11,400	$0	$11,400
GERALD VILLARREAL	CHAIR	3.00	Officer Director	$12,600	$0	$12,600
ROBERT WESTRUP	DIRECTOR	3.00	Director	$11,400	$0	$11,400
MARY SALINAS	SECRETARY	3.00	Officer Director	$6,750	$0	$6,750
DANA SISK	PRESIDENT/CEO	40.00	Officer	$957,744	$207,570	$1,165,314
CARRIE TSCHIRHART	CHIEF FINANCIAL OFFICER	40.00	Officer	$340,731	$47,088	$387,819
DANIEL DIBBLE	CHIEF CONSUMER LENDING OFFICER	40.00	Key Emp	$369,375	$57,714	$427,089
SHANNON SRP	CHIEF TECHNOLOGY OFFICER	40.00	Key Emp	$340,371	$81,429	$421,800
ROMAN ESCOBAR	CHIEF MORTGAGE LENDING OFFICER	40.00	Key Emp	$343,573	$58,027	$401,600
CYNTHIA RAMOS	EXECUTIVE VICE PRESIDENT	40.00	Key Emp	$433,518	$46,473	$479,991
VIRGINIA WHITHAM	CHIEF HUMAN RESOURCES OFFICER	40.00	Key Emp	$336,995	$55,361	$392,356
ASHLEY SMITH	CHIEF MARKETING OFFICER	40.00	Key Emp	$313,190	$63,607	$376,797
ANITA CADENA	CHIEF RISK OFFICER	40.00	Key Emp	$267,480	$32,748	$300,228
GERALD PENNINGTON	VP INDIRECT AUTO LENDING	40.00	Highest	$229,886	$44,163	$274,049
TERRI YOUNG	SVP BRANCH OPERATIONS	40.00	Highest	$235,202	$49,594	$284,796
MARIA KARACA	SVP COMMERCIAL LENDING	40.00	Highest	$226,985	$49,855	$276,840
ALISSA GONZALES	VP OF LENDING	40.00	Highest	$213,935	$27,249	$241,184
DEWAYNE COUCH	VP OF COLLECTIONS	40.00	Highest	$221,358	$38,172	$259,530

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$362,557,227	$314,011,302	$4,713,372,266	$48,545,925
2024	$332,348,986	$305,532,884	$4,502,405,665	$26,816,102
2023	$295,398,561	$241,636,768	$4,302,657,272	$53,761,793
2022	$245,877,072	$173,019,197	$4,104,675,190	$72,857,875
2021	$216,741,381	$154,198,303	$4,042,196,028	$62,543,078
2020	$210,861,484	$174,773,021	$3,664,310,843	$36,088,463
2019	$192,613,593	$155,981,446	$3,263,904,258	$36,632,147
2018	$164,993,255	$135,394,835	$2,970,687,295	$29,598,420