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RALLY CREDIT UNION

EIN 74-1237070 CORP CHRISTI, TX

Browse the largest nonprofits in Texas

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 Chapman

    DIRECTOR

    Total calculated
    $13,800
    From this org
    $13,800
    From related orgs
    $0
    Other
    $0
    Hours/week
    3
  • Thelma Garza Mandel

    DIRECTOR

    Total calculated
    $11,400
    From this org
    $11,400
    From related orgs
    $0
    Other
    $0
    Hours/week
    3
  • Theresa Gonzales

    VICE CHAIR

    Total calculated
    $12,300
    From this org
    $12,300
    From related orgs
    $0
    Other
    $0
    Hours/week
    3
  • Kendra Kinnison

    TREASURER

    Total calculated
    $12,900
    From this org
    $12,900
    From related orgs
    $0
    Other
    $0
    Hours/week
    3
  • Sylvia Martinez

    DIRECTOR

    Total calculated
    $10,800
    From this org
    $10,800
    From related orgs
    $0
    Other
    $0
    Hours/week
    3
  • Pedro Rivera Jr

    FORMER DIRECTOR

    Total calculated
    $6,600
    From this org
    $6,600
    From related orgs
    $0
    Other
    $0
    Hours/week
    3
  • Richard B Stone

    DIRECTOR

    Total calculated
    $11,400
    From this org
    $11,400
    From related orgs
    $0
    Other
    $0
    Hours/week
    3
  • Gerald Villarreal

    CHAIR

    Total calculated
    $12,600
    From this org
    $12,600
    From related orgs
    $0
    Other
    $0
    Hours/week
    3
  • Robert Westrup

    DIRECTOR

    Total calculated
    $11,400
    From this org
    $11,400
    From related orgs
    $0
    Other
    $0
    Hours/week
    3
  • Mary Salinas

    SECRETARY

    Total calculated
    $6,750
    From this org
    $6,750
    From related orgs
    $0
    Other
    $0
    Hours/week
    3
  • Dana 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 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 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 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 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 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 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 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 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 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 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 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 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 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.