BlastPoint's Credit Union Scorecard
RAVE FINANCIAL
Charter #68735 · TX
RAVE FINANCIAL has 4 strengths but faces 7 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 62.4% in tier
- + Net Interest Margin 0.07% above tier average
- + Strong member growth: 5.7% YoY
- + Loan-to-Share Ratio: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 7.7% in tier
- - Credit Risk Growth: Bottom 27.7% in tier
- - Credit Quality Pressure: Bottom 32.5% in tier
- - Indirect Auto Dependency: Bottom 36.3% in tier
- - ROA 0.13% below tier average
- - Efficiency ratio 2.23% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 7.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 27 that size in Texas.
- Shares and deposits +8.5% year over year ($962M in shares and deposits).
- Membership: 87,828 members, +5.7% vs a year ago.
- Delinquency rate 0.57%.
- Return on assets 0.69%.
- Efficiency ratio 75.24% vs a 73.02% peer average.
- Loan-to-share ratio 104.27% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
87,828
+5.7% YoY-0.4% QoQ
|
-9.0K |
96,861
-1.9% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
52% |
| Assets |
$1.2B
+6.9% YoY-2.4% QoQ
|
$-498.4M |
$1.7B
+0.4% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
23% |
| Loans |
$1.0B
+9.6% YoY+1.4% QoQ
|
$-231.5M |
$1.2B
+0.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
38% |
| Deposits |
$961.7M
+8.5% YoY-3.3% QoQ
|
$-501.7M |
$1.5B
+0.5% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 13.0% in tier |
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| ROA |
0.7%
+48.1% YoY-6.1% QoQ
|
-0.1% |
0.8%
+27.6% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
40% |
| NIM |
3.5%
+5.7% YoY+4.1% QoQ
|
+0.1% |
3.4%
+6.6% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
53% |
| Efficiency Ratio |
75.2%
-7.2% YoY+1.0% QoQ
|
+2.2% |
73.0%
-2.7% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
59% |
| Delinquency Rate |
0.6%
+25.1% YoY+9.9% QoQ
|
-0.3 |
0.9%
+7.3% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
36% |
| Loan To Share |
104.3%
+1.0% YoY+5.0% QoQ
|
+19.6% |
84.7%
+0.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Top 6.3% in tier |
| AMR |
$22,366
+3.2% YoY-0.6% QoQ
|
$-7K |
$29,575
+1.5% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 14.7% in tier |
| CD Concentration |
25.8%
+13.2% YoY+6.5% QoQ
|
-3.3% | 29.1% | 21.6% | 20.0% | 36% |
| Indirect Auto % |
44.6%
+5.6% YoY-1.7% QoQ
|
+26.5% | 18.1% | 6.9% | 7.7% | Bottom 7.2% in tier |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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)