Nonprofit · EIN 74-1237070
RALLY CREDIT UNION
Tax-exempt · CORP CHRISTI, TX 78414
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $362,557,227 | $314,011,302 | $48,545,925 | $4,713,372,266 | $4,064,486,895 | $648,885,371 |
| December 31, 2024 | 990 | $332,348,986 | $305,532,884 | $26,816,102 | $4,502,405,665 | $3,905,751,055 | $596,654,610 |
| December 31, 2023 | 990 | $295,398,561 | $241,636,768 | $53,761,793 | $4,302,657,272 | $3,739,655,182 | $563,002,090 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $344,922,390
- Investment income
- $17,634,837
- Net gain from sales of assets
- $396,672
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $8,000
- Compensation of officers, directors and key employees
- $4,462,945
- Other salaries and wages
- $47,658,482
- Salaries, compensation and benefits (total)
- $67,718,860
- Professional fundraising fees
- $0
- Legal fees
- $651,386
- Accounting fees
- $355,780
- Occupancy
- $5,717,644
- Travel
- $509,922
- Depreciation
- $7,985,922
Balance sheet and other
- Total assets, start of year
- $4,502,405,665
- Total assets, end of year
- $4,713,372,266
- Total liabilities, end of year
- $4,064,486,895
- Net assets, end of year
- $648,885,371
- Land, buildings and equipment
- $79,020,119
- Gross unrelated business income
- $456,984
- Gross receipts
- $362,557,227
- Employees
- 927
- Volunteers
- 12
- Year formed
- 1955
- State of legal domicile
- TX
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| DANA SISK | PRESIDENT/CEO Officer | 40 | $957,744 | $207,570 |
| CYNTHIA RAMOS | EXECUTIVE VICE PRESIDENT Key employee | 40 | $433,518 | $46,473 |
| DANIEL DIBBLE | CHIEF CONSUMER LENDING OFFICER Key employee | 40 | $369,375 | $57,714 |
| SHANNON SRP | CHIEF TECHNOLOGY OFFICER Key employee | 40 | $340,371 | $81,429 |
| ROMAN ESCOBAR | CHIEF MORTGAGE LENDING OFFICER Key employee | 40 | $343,573 | $58,027 |
| VIRGINIA WHITHAM | CHIEF HUMAN RESOURCES OFFICER Key employee | 40 | $336,995 | $55,361 |
| CARRIE TSCHIRHART | CHIEF FINANCIAL OFFICER Officer | 40 | $340,731 | $47,088 |
| ASHLEY SMITH | CHIEF MARKETING OFFICER Key employee | 40 | $313,190 | $63,607 |
| ANITA CADENA | CHIEF RISK OFFICER Key employee | 40 | $267,480 | $32,748 |
| TERRI YOUNG | SVP BRANCH OPERATIONS Highest-paid employee | 40 | $235,202 | $49,594 |
| MARIA KARACA | SVP COMMERCIAL LENDING Highest-paid employee | 40 | $226,985 | $49,855 |
| GERALD PENNINGTON | VP INDIRECT AUTO LENDING Highest-paid employee | 40 | $229,886 | $44,163 |
| DEWAYNE COUCH | VP OF COLLECTIONS Highest-paid employee | 40 | $221,358 | $38,172 |
| ALISSA GONZALES | VP OF LENDING Highest-paid employee | 40 | $213,935 | $27,249 |
| JOHN CHAPMAN | DIRECTOR Trustee or director | 3 | $13,800 | $0 |
9 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| KENDRA KINNISON | TREASURER Trustee or director, Officer | 3 | $12,900 |
| GERALD VILLARREAL | CHAIR Trustee or director, Officer | 3 | $12,600 |
| THERESA GONZALES | VICE CHAIR Trustee or director, Officer | 3 | $12,300 |
| THELMA GARZA MANDEL | DIRECTOR Trustee or director | 3 | $11,400 |
| RICHARD B STONE | DIRECTOR Trustee or director | 3 | $11,400 |
| ROBERT WESTRUP | DIRECTOR Trustee or director | 3 | $11,400 |
| SYLVIA MARTINEZ | DIRECTOR Trustee or director | 3 | $10,800 |
| MARY SALINAS | SECRETARY Trustee or director, Officer | 3 | $6,750 |
| PEDRO RIVERA JR | FORMER DIRECTOR Trustee or director | 3 | $6,600 |
990 for the year ended December 31, 2024: 23 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| DANA SISK | PRESIDENT/CEO Officer | 40 | $909,818 | $189,258 |
| CYNTHIA RAMOS | EXECUTIVE VICE PRESIDENT Key employee | 40 | $379,906 | $43,680 |
| DANIEL DIBBLE | CHIEF CONSUMER LENDING OFFICER Key employee | 40 | $337,292 | $54,722 |
| SHANNON SRP | CHIEF TECHNOLOGY OFFICER Key employee | 40 | $313,522 | $76,710 |
| ROMAN ESCOBAR | CHIEF MORTGAGE LENDING OFFICER Key employee | 40 | $316,960 | $56,873 |
| VIRGINIA WHITHAM | CHIEF HUMAN RESOURCES OFFICER Key employee | 40 | $313,507 | $51,147 |
| CARRIE TSCHIRHART | CHIEF FINANCIAL OFFICER Officer | 40 | $316,643 | $40,197 |
| ASHLEY SMITH | CHIEF MARKETING OFFICER Key employee | 40 | $272,767 | $60,203 |
| ANITA CADENA | CHIEF RISK OFFICER Key employee | 40 | $239,381 | $29,394 |
| GERALD PENNINGTON | VP INDIRECT AUTO LENDING Highest-paid employee | 40 | $216,896 | $42,129 |
| TERRI YOUNG | SVP BRANCH OPERATIONS Highest-paid employee | 40 | $217,251 | $35,598 |
| MARIA KARACA | SVP COMMERCIAL LENDING Highest-paid employee | 40 | $210,026 | $35,601 |
| DEWAYNE COUCH | VP OF COLLECTIONS Highest-paid employee | 40 | $210,214 | $34,304 |
| ALISSA GONZALES | VP OF LENDING Highest-paid employee | 40 | $205,889 | $26,637 |
| THERESA GONZALES | SECRETARY Trustee or director, Officer | 3 | $13,500 | $0 |
| GERALD VILLARREAL | VICE CHAIR Trustee or director, Officer | 3 | $13,500 | $0 |
| JOHN CHAPMAN | CHAIR Trustee or director, Officer | 3 | $12,900 | $0 |
| RICHARD B STONE | DIRECTOR Trustee or director | 3 | $12,300 | $0 |
| KENDRA KINNISON | TREASURER Trustee or director, Officer | 3 | $12,000 | $0 |
| THELMA GARZA MANDEL | DIRECTOR Trustee or director | 3 | $11,700 | $0 |
| SYLVIA MARTINEZ | DIRECTOR Trustee or director | 3 | $11,700 | $0 |
| ROBERT WESTRUP | DIRECTOR Trustee or director | 3 | $11,100 | $0 |
| PEDRO RIVERA JR | DIRECTOR Trustee or director | 3 | $10,200 | $0 |
990 for the year ended December 31, 2023: 25 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| DANA SISK | PRESIDENT/CEO Officer | 40 | $707,018 | $68,652 |
| GERRY MORROW | FORMER PRESIDENT/CEO Officer | 40 | $586,730 | $19,678 |
| CYNTHIA RAMOS | CHIEF OPERATIONS OFFICER Key employee | 40 | $461,312 | $40,068 |
| DANIEL DIBBLE | CHIEF LENDING OFFICER Key employee | 40 | $435,411 | $50,906 |
| ROMAN ESCOBAR | CHIEF REAL ESTATE OFFICER Key employee | 40 | $418,883 | $53,478 |
| VIRGINIA WHITHAM | CHIEF HUMAN RESOURCES OFFICER Key employee | 40 | $386,061 | $46,640 |
| ASHLEY SMITH | CHIEF MARKETING OFFICER Key employee | 40 | $362,897 | $57,860 |
| CARRIE HUFF | CHIEF FINANCIAL OFFICER Officer | 40 | $343,643 | $54,142 |
| SHANNON SRP | CHIEF TECHNOLOGY OFFICER Key employee | 40 | $291,856 | $70,180 |
| CLARE FOWLER | FORMER SVP OPERATIONS TECHNOLOGY Key employee | 40 | $262,952 | $29,305 |
| GERALD PENNINGTON | VP INDIRECT AUTO LENDING Highest-paid employee | 40 | $249,268 | $40,609 |
| ANITA CADENA | VP AUDIT COMPLIANCE Highest-paid employee | 40 | $206,947 | $26,653 |
| JAMIE AGUILAR | VP MORTGAGE ORIGINATION Highest-paid employee | 40 | $207,034 | $25,279 |
| TERRI YOUNG | VP BRANCH OPERATIONS Highest-paid employee | 40 | $203,140 | $18,813 |
| MARIA KARACA | SVP COMMERCIAL LENDING Highest-paid employee | 40 | $194,404 | $18,281 |
| RICHARD PLATZ | FORMER SVP CONSUMER LENDING Key employee | 40 | $173,121 | $16,794 |
| JOHN CHAPMAN | CHAIR Trustee or director, Officer | 3 | $14,400 | $0 |
| THERESA GONZALES | SECRETARY Trustee or director, Officer | 3 | $13,200 | $0 |
| PEDRO RIVERA JR | DIRECTOR Trustee or director | 3 | $12,600 | $0 |
| RICHARD B STONE | DIRECTOR Trustee or director | 3 | $12,600 | $0 |
| KENDRA KINNISON | TREASURER Trustee or director, Officer | 3 | $12,300 | $0 |
| ROBERT WESTRUP | DIRECTOR Trustee or director | 3 | $12,300 | $0 |
| SYLVIA MARTINEZ | DIRECTOR Trustee or director | 3 | $12,000 | $0 |
| GERALD VILLARREAL | VICE CHAIR Trustee or director, Officer | 3 | $12,000 | $0 |
| THELMA GARZA MANDEL | DIRECTOR Trustee or director | 3 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 2730 RODD FIELD RD, CORP CHRISTI, TX 78414-3146
- Principal officer (990 for 2025)
- DANA SISK, 2730 RODD FIELD ROAD, CORPUS CHRISTI, TX 78414
- Signed the 990
- DANA SISK, CHIEF FINANCIAL OFFICER
- Phone
- (361) 986-7300
- Website
- WWW.RALLYCU.COM
- Return prepared by
- RSM US LLP
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 accomplishments
- 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.
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 74-1237070
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1976
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 2742: CREDIT UNION DEPARTMENT OF THE STATE OF TEXAS
- Assets (IRS master file)
- $4,713,372,266
- Income (IRS master file)
- $362,557,227
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $362,557,227 | $314,011,302 | $4,713,372,266 | IRS |
| 990 | December 2024 | $332,348,986 | $305,532,884 | $4,502,405,665 | XML |
| 990 | December 2023 | $295,398,561 | $241,636,768 | $4,302,657,272 | XML |
| 990 | December 2022 | $245,877,072 | $173,019,197 | $4,104,675,190 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
| 990 | December 2017 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 74-1237070).
Questions about RALLY CREDIT UNION
- What is the EIN of RALLY CREDIT UNION?
- The employer identification number (EIN) of RALLY CREDIT UNION is 74-1237070.
- Is RALLY CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1976.
- Are donations to RALLY CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does RALLY CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of RALLY CREDIT UNION due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did RALLY CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of RALLY CREDIT UNION?
- The 990 for the year ended December 31, 2025 names DANA SISK.
- Who are the officers and directors of RALLY CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 24 people; 24 received compensation from the organization, the highest $957,744 (DANA SISK, PRESIDENT/CEO).
- How much revenue does RALLY CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $362,557,227, expenses of $314,011,302 and total assets of $4,713,372,266 at year end.
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