RAVE FINANCIAL

Charter #68735 | TX

1B-3B (304 CUs) Mid-Market (380 CUs)
26 1B-3B in TX

RAVE FINANCIAL has 8 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 12.5% in tier
  • + Wallet Share Momentum: Top 15.8% in tier
  • + Relationship Depth Leader: Top 20.1% in tier
  • + Organic Growth Engine: Top 24.3% in tier
  • + Net Interest Margin 0.05% above tier average
  • + Strong member growth: 5.3% YoY
  • + Loan-to-Share Ratio: Top 5.9% in tier
  • + Loan Growth Rate: Top 7.6% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 0.6% in tier
  • - Indirect Auto Dependency: Bottom 4.2% in tier
  • - Efficiency Drag: Bottom 25.5% in tier
  • - Liquidity Overhang: Bottom 30.2% in tier
  • - ROA 0.22% below tier average
  • - Efficiency ratio 6.56% above tier (higher cost structure)
  • - Total Deposits: Bottom 6.6% in tier
  • - Indirect Auto Concentration (%): Bottom 8.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 84,842
+5.3% YoY+2.1% QoQ
 -13.8K 98,678
-1.9% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 46th in tier
Assets $1.2B
+8.0% YoY+1.5% QoQ
 $-555.1M $1.7B
+0.5% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 Bottom 19.7% in tier
Loans $941.5M
+14.8% YoY+2.9% QoQ
 $-291.6M $1.2B
+0.5% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 32nd in tier
Deposits $896.6M
+6.5% YoY+1.2% QoQ
 $-557.7M $1.5B
+1.3% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Bottom 6.2% in tier
ROA 0.5%
+41.6% YoY+4.6% QoQ
 -0.2% 0.7%
+13.4% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 32nd in tier
NIM 3.3%
+9.2% YoY+0.3% QoQ
 +0.0% 3.3%
+9.3% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 53rd in tier
Efficiency Ratio 80.5%
-7.7% YoY-0.7% QoQ
 +6.6% 74.0%
-10.9% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Top 24.0% in tier
Delinquency Rate 0.6%
-0.5% YoY+31.2% QoQ
 -0.2 0.8%
+6.1% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 41st in tier
Loan To Share 105.0%
+7.8% YoY+1.7% QoQ
 +19.8% 85.2%
-0.8% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 Top 6.2% in tier
AMR $21,665
+5.0% YoY-0.1% QoQ
 $-8K $29,172
+2.8% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Bottom 12.2% in tier
CD Concentration 23.5%
-10.5% YoY+3.4% QoQ
 -5.5% 29.0%
+0.8% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 Bottom 24.8% in tier
Indirect Auto % 43.2%
+13.0% YoY+2.4% QoQ
 +24.4% 18.8%
-2.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 Top 9.0% in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#67 of 184 • Top 12.5% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.48%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 5.30%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Wallet Share Momentum

growth
#115 of 264 • Top 15.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.04%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Relationship Depth Leader

growth
#146 of 264 • Top 20.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.04%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.6K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Organic Growth Engine

growth
#177 of 246 • Top 24.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.30%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.48%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 43.21%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Concerns (4)

Liquidity Strain

risk
#4 of 183 • Bottom 0.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 105.01%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 14.81%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#27 of 202 • Bottom 4.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 8.01%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 43.21%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 5.30%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Efficiency Drag

risk
#85 of 96 • Bottom 25.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 80.53%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.14% points
(Tier: 0.07% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 5.30%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank worsening

Liquidity Overhang

risk
#98 of 113 • Bottom 30.2% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.05%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 105.01%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 304 peers in tier

Top Strengths (6 metrics)

19
Loan-to-Share Ratio
balance_sheet
Value: 105.01%
Peer Avg: 85.19%
#19 of 304 Top 5.9% in 1B-3B tier
24
Loan Growth Rate
growth
Value: 14.81%
Peer Avg: 5.27%
#24 of 304 Top 7.6% in 1B-3B tier
53
First Mortgage Concentration (%)
balance_sheet
Value: 19.88%
Peer Avg: 34.01%
#53 of 304 Top 17.1% in 1B-3B tier
54
Net Worth Ratio
risk
Value: 13.05%
Peer Avg: 11.44%
#54 of 304 Top 17.4% in 1B-3B tier
55
Member Growth Rate
growth
Value: 5.30%
Peer Avg: 2.20%
#55 of 304 Top 17.8% in 1B-3B tier
68
Asset Growth Rate
growth
Value: 8.01%
Peer Avg: 4.83%
#68 of 304 Top 22.0% in 1B-3B tier

Top Weaknesses (6 metrics)

285
Total Deposits
balance_sheet
Value: $896.60M
Peer Avg: $1.45B
#285 of 304 Bottom 6.6% in 1B-3B tier
280
Indirect Auto Concentration (%)
balance_sheet
Value: 43.21%
Peer Avg: 18.32%
#280 of 304 Bottom 8.2% in 1B-3B tier
267
Average Member Relationship (AMR)
engagement
Value: $21,665
Peer Avg: $29,172
#267 of 304 Bottom 12.5% in 1B-3B tier
244
Total Assets
balance_sheet
Value: $1.16B
Peer Avg: $1.72B
#244 of 304 Bottom 20.1% in 1B-3B tier
232
Efficiency Ratio
profitability
Value: 80.53%
Peer Avg: 73.97%
#232 of 304 Bottom 24.0% in 1B-3B tier
229
Members Per Employee (MPE)
engagement
Value: 303.007
Peer Avg: 364.953
#229 of 304 Bottom 25.0% in 1B-3B tier