- Revenue 2025
- $362,557,227
- Expenses 2025
- $314,011,302
As filed
- Subsection
- 14
- Classification
- 1000
- Street
- 2730 RODD FIELD RD
These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).
Group exemption
A subordinate covered by the group exemption of CREDIT UNION DEPARTMENT OF THE STATE OF TEXAS (EIN 74-6062733). matched by us
The IRS lists each organization's group exemption number; we match a subordinate to its central organization by that number and the affiliation code the IRS assigns.
Mission and programs · 2025
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
Activities or mission (Part I)
TO MEET THE FINANCIAL NEEDS AND GOALS OF OUR MEMBERS. PROVIDE SAVINGS, SHARE DRAFT AND SHARE CERTIFICATE ACCOUNTS AND AUTO, CONSUMER AND COMMERCIAL LOANS.
-
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.
-
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.
-
RALLY CREDIT UNION ALSO PROVIDES ATM AND ITM ACCESS TO MEMBERS. THE REVENUE AND EXPENSES ARE INCLUDED IN THE DEPOSIT PROGRAM.
As filed on the 2025 return.
Officers and directors · 2025
As listed in Part VII of the 2025 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.
-
John ChapmanJOHN CHAPMAN
DIRECTOR
- Total calculated
- $13,800
- From this org
- $13,800
- From related orgs
- $0
- Other
- $0
- Hours/week
- 3
-
Thelma Garza MandelTHELMA GARZA MANDEL
DIRECTOR
- Total calculated
- $11,400
- From this org
- $11,400
- From related orgs
- $0
- Other
- $0
- Hours/week
- 3
-
Theresa GonzalesTHERESA GONZALES
VICE CHAIR
- Total calculated
- $12,300
- From this org
- $12,300
- From related orgs
- $0
- Other
- $0
- Hours/week
- 3
-
Kendra KinnisonKENDRA KINNISON
TREASURER
- Total calculated
- $12,900
- From this org
- $12,900
- From related orgs
- $0
- Other
- $0
- Hours/week
- 3
-
Sylvia MartinezSYLVIA MARTINEZ
DIRECTOR
- Total calculated
- $10,800
- From this org
- $10,800
- From related orgs
- $0
- Other
- $0
- Hours/week
- 3
-
Pedro Rivera JrPEDRO RIVERA JR
FORMER DIRECTOR
- Total calculated
- $6,600
- From this org
- $6,600
- From related orgs
- $0
- Other
- $0
- Hours/week
- 3
-
Richard B StoneRICHARD B STONE
DIRECTOR
- Total calculated
- $11,400
- From this org
- $11,400
- From related orgs
- $0
- Other
- $0
- Hours/week
- 3
-
Gerald VillarrealGERALD VILLARREAL
CHAIR
- Total calculated
- $12,600
- From this org
- $12,600
- From related orgs
- $0
- Other
- $0
- Hours/week
- 3
-
Robert WestrupROBERT WESTRUP
DIRECTOR
- Total calculated
- $11,400
- From this org
- $11,400
- From related orgs
- $0
- Other
- $0
- Hours/week
- 3
-
Mary SalinasMARY SALINAS
SECRETARY
- Total calculated
- $6,750
- From this org
- $6,750
- From related orgs
- $0
- Other
- $0
- Hours/week
- 3
-
Dana SiskDANA SISK
PRESIDENT/CEO
- Total calculated
- $1,165,314
- From this org
- $957,744
- From related orgs
- $0
- Other
- $207,570
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $745,961
- Bonus
- $210,000
- Other
- $1,783
- Deferred
- $180,451
- Nontaxable benefits
- $27,119
- Filer's total
- $1,165,314
-
Carrie TschirhartCARRIE TSCHIRHART
CHIEF FINANCIAL OFFICER
- Total calculated
- $387,819
- From this org
- $340,731
- From related orgs
- $0
- Other
- $47,088
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $294,799
- Bonus
- $42,000
- Other
- $3,932
- Deferred
- $33,625
- Nontaxable benefits
- $13,463
- Filer's total
- $387,819
-
Daniel DibbleDANIEL DIBBLE
CHIEF CONSUMER LENDING OFFICER
- Total calculated
- $427,089
- From this org
- $369,375
- From related orgs
- $0
- Other
- $57,714
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $327,289
- Bonus
- $40,660
- Other
- $1,426
- Deferred
- $43,243
- Nontaxable benefits
- $14,471
- Filer's total
- $427,089
-
Shannon SrpSHANNON SRP
CHIEF TECHNOLOGY OFFICER
- Total calculated
- $421,800
- From this org
- $340,371
- From related orgs
- $0
- Other
- $81,429
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $295,635
- Bonus
- $43,800
- Other
- $936
- Deferred
- $51,442
- Nontaxable benefits
- $29,987
- Filer's total
- $421,800
-
Roman EscobarROMAN ESCOBAR
CHIEF MORTGAGE LENDING OFFICER
- Total calculated
- $401,600
- From this org
- $343,573
- From related orgs
- $0
- Other
- $58,027
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $301,347
- Bonus
- $41,315
- Other
- $911
- Deferred
- $46,001
- Nontaxable benefits
- $12,026
- Filer's total
- $401,600
-
Cynthia RamosCYNTHIA RAMOS
EXECUTIVE VICE PRESIDENT
- Total calculated
- $479,991
- From this org
- $433,518
- From related orgs
- $0
- Other
- $46,473
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $360,281
- Bonus
- $68,355
- Other
- $4,882
- Deferred
- $33,117
- Nontaxable benefits
- $13,356
- Filer's total
- $479,991
-
Virginia WhithamVIRGINIA WHITHAM
CHIEF HUMAN RESOURCES OFFICER
- Total calculated
- $392,356
- From this org
- $336,995
- From related orgs
- $0
- Other
- $55,361
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $293,562
- Bonus
- $42,060
- Other
- $1,373
- Deferred
- $40,346
- Nontaxable benefits
- $15,015
- Filer's total
- $392,356
-
Ashley SmithASHLEY SMITH
CHIEF MARKETING OFFICER
- Total calculated
- $376,797
- From this org
- $313,190
- From related orgs
- $0
- Other
- $63,607
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $274,930
- Bonus
- $35,830
- Other
- $2,430
- Deferred
- $37,820
- Nontaxable benefits
- $25,787
- Filer's total
- $376,797
-
Anita CadenaANITA CADENA
CHIEF RISK OFFICER
- Total calculated
- $300,228
- From this org
- $267,480
- From related orgs
- $0
- Other
- $32,748
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $239,239
- Bonus
- $27,125
- Other
- $1,116
- Deferred
- $11,058
- Nontaxable benefits
- $21,690
- Filer's total
- $300,228
-
Gerald PenningtonGERALD PENNINGTON
VP INDIRECT AUTO LENDING
- Total calculated
- $274,049
- From this org
- $229,886
- From related orgs
- $0
- Other
- $44,163
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $211,901
- Bonus
- $17,000
- Other
- $985
- Deferred
- $23,061
- Nontaxable benefits
- $21,102
- Filer's total
- $274,049
-
Terri YoungTERRI YOUNG
SVP BRANCH OPERATIONS
- Total calculated
- $284,796
- From this org
- $235,202
- From related orgs
- $0
- Other
- $49,594
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $215,388
- Bonus
- $18,000
- Other
- $1,814
- Deferred
- $37,936
- Nontaxable benefits
- $11,658
- Filer's total
- $284,796
-
Maria KaracaMARIA KARACA
SVP COMMERCIAL LENDING
- Total calculated
- $276,840
- From this org
- $226,985
- From related orgs
- $0
- Other
- $49,855
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $206,387
- Bonus
- $20,000
- Other
- $598
- Deferred
- $38,254
- Nontaxable benefits
- $11,601
- Filer's total
- $276,840
-
Alissa GonzalesALISSA GONZALES
VP OF LENDING
- Total calculated
- $241,184
- From this org
- $213,935
- From related orgs
- $0
- Other
- $27,249
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $198,536
- Bonus
- $15,000
- Other
- $399
- Deferred
- $8,888
- Nontaxable benefits
- $18,361
- Filer's total
- $241,184
-
Dewayne CouchDEWAYNE COUCH
VP OF COLLECTIONS
- Total calculated
- $259,530
- From this org
- $221,358
- From related orgs
- $0
- Other
- $38,172
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $205,441
- Bonus
- $15,000
- Other
- $917
- Deferred
- $25,384
- Nontaxable benefits
- $12,788
- Filer's total
- $259,530
Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.
Filings
-
2025
- Revenue
- $362,557,227
- Expenses
- $314,011,302
- Contributions
- $0
- Grants paid
- $8,000
-
2023
- Revenue
- $295,398,561
- Expenses
- $241,636,768
- Contributions
- $0
- Grants paid
- $0
-
2022
- Revenue
- $245,877,072
- Expenses
- $173,019,197
- Contributions
- $0
- Grants paid
- $0
The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.
Other returns filed
-
2021 · 990
- Revenue
- $216,741,381
- Expenses
- $154,198,303
- Assets (EOY)
- $4,042,196,028
-
2020 · 990
- Revenue
- $210,861,484
- Expenses
- $174,773,021
- Assets (EOY)
- $3,664,310,843
-
2019 · 990
- Revenue
- $192,613,593
- Expenses
- $155,981,446
- Assets (EOY)
- $3,263,904,258
-
2018 · 990
- Revenue
- $164,993,255
- Expenses
- $135,394,835
- Assets (EOY)
- $2,970,687,295
-
2017 · 990
- Revenue
- $146,964,565
- Expenses
- $121,488,868
- Assets (EOY)
- $2,700,862,976
-
2016 · 990
- Revenue
- $136,976,852
- Expenses
- $109,853,563
- Assets (EOY)
- $2,498,149,588
-
2015 · 990
- Revenue
- $131,797,494
- Expenses
- $104,526,723
- Assets (EOY)
- $2,361,365,208
-
2014 · 990
- Revenue
- $127,864,714
- Expenses
- $105,898,719
- Assets (EOY)
- $2,247,270,292
-
2013 · 990
- Revenue
- $119,621,009
- Expenses
- $88,822,356
- Assets (EOY)
- $2,004,665,638
Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all.
Grants made
No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.
Grants received
No itemized grant names this organization as a recipient. Only grants over $5,000 are itemized, and only by filers of the full Form 990.
Other IRS files
Auto-Revocation List
Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.
Publication 78
Not present in the most recent drop.
These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.
What this page reflects
The registration facts above come from the IRS Business Master File published 9 November 2026 and read 9 November 2026, for every organization at once. Returns through tax year 2025, the newest we have parsed for this organization.