BlastPoint's Credit Union Scorecard
RAVE FINANCIAL
Charter #68735 · TX
RAVE FINANCIAL has 7 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 51.3% in tier
- + Organic Growth Engine: Top 59.4% in tier
- + Wallet Share Momentum: Top 76.2% in tier
- + Net Interest Margin 0.04% above tier average
- + Strong member growth: 6.1% YoY
- + Loan-to-Share Ratio: Top 6.0% in tier
- + Loan Growth Rate: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 4.8% in tier
- - Indirect Auto Dependency: Bottom 14.4% in tier
- - Credit Risk Growth: Bottom 38.0% in tier
- - Credit Quality Pressure: Bottom 81.0% in tier
- - ROA 0.10% below tier average
- - Efficiency ratio 4.65% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 7.3% in tier
- - Total Deposits: Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
86,407
+6.1% YoY+1.8% QoQ
|
-11.0K |
97,431
-2.4% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$1.2B
+10.5% YoY+2.6% QoQ
|
$-529.1M |
$1.7B
+0.9% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$965.4M
+15.5% YoY+2.5% QoQ
|
$-269.0M |
$1.2B
+0.5% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
33% |
| Deposits |
$922.6M
+10.1% YoY+2.9% QoQ
|
$-536.8M |
$1.5B
+0.9% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.3% in tier |
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| ROA |
0.6%
+41.0% YoY+19.7% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
3.3%
+7.4% YoY+0.3% QoQ
|
+0.0% |
3.3%
+9.2% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
52% |
| Efficiency Ratio |
78.7%
-8.1% YoY-2.3% QoQ
|
+4.7% |
74.1%
-9.5% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
69% |
| Delinquency Rate |
0.7%
+7.4% YoY+22.0% QoQ
|
-0.2 |
0.9%
+6.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
46% |
| Loan To Share |
104.6%
+4.9% YoY-0.4% QoQ
|
+19.9% |
84.8%
-0.8% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 6.3% in tier |
| AMR |
$21,849
+6.3% YoY+0.9% QoQ
|
$-8K |
$29,428
+2.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.9% in tier |
| CD Concentration |
24.8%
-0.4% YoY+5.5% QoQ
|
-4.2% | 29.0% | 21.2% | 19.8% | 33% |
| Indirect Auto % |
43.6%
+14.2% YoY+0.9% QoQ
|
+25.3% | 18.3% | 7.1% | 7.8% | Top 7.4% in tier |
Signature Analysis
Strengths (3)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)