2026-05-15T12:03:38-05:00 2025-12-31 420714325 RSM US LLP 4650 EAST 53RD STREET DAVENPORT IA 528073479 990 2025-01-01 741237070 RALLY CREDIT UNION RALL 3619867300 2730 RODD FIELD ROAD CORPUS CHRISTI TX 78414 DANA SISK CHIEF FINANCIAL OFFICER 3619867300 2026-05-14 1 JENIFER L CHASE P01306883 5638884000 2026-05-14 2025 2025-03-06 01:10:19Z DANA SISK 2730 RODD FIELD ROAD CORPUS CHRISTI TX 78414 362557227 0 X WWW.RALLYCU.COM X 1955 TX TO MEET THE FINANCIAL NEEDS AND GOALS OF OUR MEMBERS. PROVIDE SAVINGS, SHARE DRAFT AND SHARE CERTIFICATE ACCOUNTS AND AUTO, CONSUMER AND COMMERCIAL LOANS. 9 9 927 12 456984 0 0 0 310593044 344922390 21755942 17634837 0 0 332348986 362557227 10000 8000 0 0 59627762 67718860 0 0 0 245895122 246284442 305532884 314011302 26816102 48545925 4502405665 4713372266 3905751055 4064486895 596654610 648885371 TO MEET THE FINANCIAL NEEDS AND GOALS OF OUR MEMBERS; PROVIDE SAVINGS, SHARE DRAFT AND SHARE CERTIFICATE ACCOUNTS AND AUTO, CONSUMER AND COMMERCIAL LOANS 0 0 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. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 85627 0 1 927 1 1 1 0 0 0 0 0 1 0 X 9 9 0 0 0 0 1 1 1 1 1 0 0 0 0 1 1 1 0 0 X CARRIE TSCHIRHART CFO 3619867300 2730 RODD FIELD ROAD CORPUS CHRISTI TX 78414 JOHN CHAPMAN DIRECTOR 3.00 X 13800 0 0 THELMA GARZA MANDEL DIRECTOR 3.00 X 11400 0 0 THERESA GONZALES VICE CHAIR 3.00 X X 12300 0 0 KENDRA KINNISON TREASURER 3.00 X X 12900 0 0 SYLVIA MARTINEZ DIRECTOR 3.00 X 10800 0 0 PEDRO RIVERA JR FORMER DIRECTOR 3.00 X 6600 0 0 RICHARD B STONE DIRECTOR 3.00 X 11400 0 0 GERALD VILLARREAL CHAIR 3.00 X X 12600 0 0 ROBERT WESTRUP DIRECTOR 3.00 X 11400 0 0 MARY SALINAS SECRETARY 3.00 X X 6750 0 0 DANA SISK PRESIDENT/CEO 40.00 X 957744 0 207570 CARRIE TSCHIRHART CHIEF FINANCIAL OFFICER 40.00 X 340731 0 47088 DANIEL DIBBLE CHIEF CONSUMER LENDING OFFICER 40.00 X 369375 0 57714 SHANNON SRP CHIEF TECHNOLOGY OFFICER 40.00 X 340371 0 81429 ROMAN ESCOBAR CHIEF MORTGAGE LENDING OFFICER 40.00 X 343573 0 58027 CYNTHIA RAMOS EXECUTIVE VICE PRESIDENT 40.00 X 433518 0 46473 VIRGINIA WHITHAM CHIEF HUMAN RESOURCES OFFICER 40.00 X 336995 0 55361 ASHLEY SMITH CHIEF MARKETING OFFICER 40.00 X 313190 0 63607 ANITA CADENA CHIEF RISK OFFICER 40.00 X 267480 0 32748 GERALD PENNINGTON VP INDIRECT AUTO LENDING 40.00 X 229886 0 44163 TERRI YOUNG SVP BRANCH OPERATIONS 40.00 X 235202 0 49594 MARIA KARACA SVP COMMERCIAL LENDING 40.00 X 226985 0 49855 ALISSA GONZALES VP OF LENDING 40.00 X 213935 0 27249 DEWAYNE COUCH VP OF COLLECTIONS 40.00 X 221358 0 38172 4940293 0 859050 82 0 1 0 FISERV 600 N VEL R PHILLIPS AVE MILWAUKEE WI 53203 PLATFORMS AND DIGITAL SOLUTIONS 7155494 FTSI 406 E HUNTINGTON DRIVE MONROVIA CA 91016 ATM AND ITM MANAGEMENT 5189317 MOREHEAD DOTTS 418 PEOPLES STREET SUITE 400 CORPUS CHRISTI TX 78401 ADVERTISING 4373174 CENTRE TECHNOLOGIES INC CO TEXAS CAPIT PO BOX 679069 DALLAS TX 75267 IT MANAGED SVCS AND PROFESSIONAL SVCS 3571040 Q2 HOLDINGS INC 10355 PECAN PARK BOULEVARD AUSTIN TX 78729 DIGITAL BANKING 3445764 100 INTEREST ON LOANS 522100 274351717 274351717 FEE INCOME 522100 36208498 35981493 227005 INTERCHANGE INCOME 522100 23257479 23257479 INSURANCE & OTHER OPERATING INCOM 522100 8773484 8543505 229979 NON-OPERATING INCOME 522100 2331212 2331212 344922390 17238165 17238165 396672 0 396672 396672 396672 362557227 344465406 456984 17634837 8000 4462945 47658482 1955063 9845329 3797041 651386 355780 7171299 5350630 7230966 13316351 5717644 509922 5886472 7985922 765549 DIVIDENDS PAID TO MEMBE 112683410 PROVISION FOR CREDIT LO 55990911 ATM/ITM/DEBIT 16599606 LOAN SERVICING 6068594 314011302 443627803 458537598 3873314033 4060093999 4343271 7148071 158944166 79924047 75545842 79020119 9427122 7590524 96147594 100981955 4502405665 4713372266 13076313 22406156 135000000 105000000 3757674742 3937080739 3905751055 4064486895 X 0 0 0 0 596654610 648885371 596654610 648885371 4502405665 4713372266 X 48545925 3684836 X X 0 0 0 16212591 16212591 83721764 29046234 54675530 2375004 1348768 1026236 56611700 49505967 7105733 23107 23078 29 79020119 SHARE ACCOUNTS (CHECKING/SAVINGS/CDS) 3937080739 3937080739 1 0 0 SCHOLARSHIPS 8 8000 PART I, LINE 2: RALLY CREDIT UNION PROVIDES SCHOLARSHIPS TO INDIVIDUALS TO BE USED AT THEIR OWN DISCRETION. X 1 1 X X X 0 1 0 DANA SISK PRESIDENT/CEO 745961 0 210000 0 1783 0 180451 0 27119 0 1165314 0 0 0 CYNTHIA RAMOS EXECUTIVE VICE PRESIDENT 360281 0 68355 0 4882 0 33117 0 13356 0 479991 0 0 0 DANIEL DIBBLE CHIEF CONSUMER LENDING OFFICER 327289 0 40660 0 1426 0 43243 0 14471 0 427089 0 0 0 SHANNON SRP CHIEF TECHNOLOGY OFFICER 295635 0 43800 0 936 0 51442 0 29987 0 421800 0 0 0 ROMAN ESCOBAR CHIEF MORTGAGE LENDING OFFICER 301347 0 41315 0 911 0 46001 0 12026 0 401600 0 0 0 VIRGINIA WHITHAM CHIEF HUMAN RESOURCES OFFICER 293562 0 42060 0 1373 0 40346 0 15015 0 392356 0 0 0 CARRIE TSCHIRHART CHIEF FINANCIAL OFFICER 294799 0 42000 0 3932 0 33625 0 13463 0 387819 0 0 0 ASHLEY SMITH CHIEF MARKETING OFFICER 274930 0 35830 0 2430 0 37820 0 25787 0 376797 0 0 0 ANITA CADENA CHIEF RISK OFFICER 239239 0 27125 0 1116 0 11058 0 21690 0 300228 0 0 0 TERRI YOUNG SVP BRANCH OPERATIONS 215388 0 18000 0 1814 0 37936 0 11658 0 284796 0 0 0 MARIA KARACA SVP COMMERCIAL LENDING 206387 0 20000 0 598 0 38254 0 11601 0 276840 0 0 0 GERALD PENNINGTON VP INDIRECT AUTO LENDING 211901 0 17000 0 985 0 23061 0 21102 0 274049 0 0 0 DEWAYNE COUCH VP OF COLLECTIONS 205441 0 15000 0 917 0 25384 0 12788 0 259530 0 0 0 ALISSA GONZALES VP OF LENDING 198536 0 15000 0 399 0 8888 0 18361 0 241184 0 0 0 PART I, LINE 1A IN 2025, RALLY CREDIT UNION REIMBURSED TRAVEL EXPENSES FOR THE COMPANIONS TO DANA SISK, THELMA GARZA MANDEL, THERESA GONZALES, SYLVIA MARTINEZ, ROBERT WESTRUP, RICHARD B STONE, PEDRO RIVERA, JR., KENDRA KINNISON, JOHN CHAPMAN, GERALD VILLARREAL, AND MARY SALINAS. THE AMOUNTS ARE INCLUDED IN REPORTABLE COMPENSATION. PART I, LINE 4B THE FOLLOWING INDIVIDUALS PARTICIPATED IN A NON-QUALIFIED DEFERRED COMPENSATION PLAN IN 2025 SPONSORED BY RALLY CREDIT UNION. THE FOLLOWING DEFINED BENEFIT ACCRUAL AMOUNTS ARE INCLUDED IN DEFERRED COMPENSATION IN PART VII AND SCHEDULE J: ASHLEY SMITH - $24,854 DANA SISK - $167,393 SHANNON SRP - $40,861 DEWAYNE COUCH - $23,157 DANIEL DIBBLE - $32,894 ROMAN ESCOBAR - $32,242 GERALD PENNINGTON - $13,543 CYNTHIA RAMOS - $19,117 CARRIE TSCHIRHART - $31,009 VIRGINIA WHITHAM - $26,732 MARIA KARACA - $29,158 TERRI YOUNG - $28,512 THERE WERE NO DISTRIBUTIONS FROM THE PLAN IN 2025. FORM 990, PART VI, SECTION A, LINE 1A RALLY CREDIT UNION HAS AN EXECUTIVE COMMITTEE THAT HAS THE AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY BETWEEN BOARD MEETINGS. THE EXECUTIVE COMMITTEE MUST REPORT TO THE GOVERNING BODY ON ANY ACTIONS THAT ARE TAKEN. FORM 990, PART VI, SECTION A, LINE 6 RALLY CREDIT UNION HAS MEMBERS AS SPECIFIED IN ITS BYLAWS. FORM 990, PART VI, SECTION A, LINE 7A RALLY CREDIT UNION MEMBERS HAVE THE POWER TO ELECT THE MEMBERS OF THE GOVERNING BODY. FORM 990, PART VI, SECTION A, LINE 7B RALLY CREDIT UNION MEMBERS HAVE THE POWER TO ELECT AND REMOVE MEMBERS OF THE GOVERNING BODY. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS REVIEWED IN DETAIL BY THE CHIEF FINANCIAL OFFICER BEFORE IT IS SIGNED. THE FORM IS THEN PROVIDED TO THE FINANCE COMMITTEE CHAIR PRIOR TO SUBMISSION. THE FORM IS THEN PROVIDED TO THE BOARD TREASURER AND FINANCE COMMITTEE CHAIR PRIOR TO SUBMISSION WITH THE INTERNAL REVENUE SERVICE. FORM 990, PART VI, SECTION B, LINE 15A RALLY CREDIT UNION USES A THIRD-PARTY CONSULTANT, COMPEASE, TO COMPARE COMPENSATION OF SIMILAR POSITIONS AT COMPARABLE ORGANIZATION'S. RALLY CREDIT UNION'S COMPENSATION DATA IS MEASURED AGAINST THIS INDUSTRY SPECIFIC INFORMATION BY THE BOARD OF DIRECTORS. THE BOARD OF DIRECTORS THEN REVIEWS AND APPROVES COMPENSATION FOR THE PRESIDENT'S POSITION AND THE CEO REVIEWS AND APPROVES COMPENSATION OF EMPLOYEES. RALLY CREDIT UNION KEEPS CONTEMPORANEOUS DOCUMENTATION AND RECORDKEEPING RELATED TO THE DELIBERATION AND DECISIONS RELATED TO THE COMPENSATION SETTING PROCESS. THE LAST TIME THIS PROCESS OCCURRED WAS IN FEBRUARY 2025. FORM 990, PART VI, SECTION C, LINE 19 RALLY CREDIT UNION MAKES ITS GOVERNING DOCUMENTS AND AUDITED FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST IN THE SAME TIME AND MANNER AS OTHER DISCLOSURES REQUIRED UNDER INTERNAL REVENUE CODE SECTION 6104. RALLY CREDIT UNION DOES NOT HAVE A CONFLICT OF INTEREST POLICY. FORM 990, PART XI, LINE 9: CHANGE IN OTHER COMPREHENSIVE INCOME 3,684,836. FORM 990, PART IV, LINE 12A & PART XII, LINE 2B: RALLY CREDIT UNION'S (THE CREDIT UNION) FINANCIAL STATEMENTS ARE AUDITED ON A SEPARATE BASIS BY AN INDEPENDENT ACCOUNTANT. HOWEVER, THE FINANCIAL STATEMENTS ARE AUDITED ON A FISCAL YEAR-END BASIS OF JUNE 30TH, WHILE THE CREDIT UNION'S TAX YEAR-END IS DECEMBER 31ST.