BlastPoint's Credit Union Scorecard
RAVE FINANCIAL
Charter #68735 · TX
RAVE FINANCIAL has 6 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
- + Organic Growth Engine: Top 24.3% in tier
- + Wallet Share Momentum: Top 99.1% 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
- - 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
|
46% |
| 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
|
20% |
| 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
|
32% |
| 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 |
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| 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
|
32% |
| 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
|
53% |
| 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
|
76% |
| 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
|
41% |
| 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
|
-5.4% |
29.0%
+0.7% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
25% |
| Indirect Auto % |
43.2%
+13.0% YoY+2.4% QoQ
|
+24.4% |
18.8%
-3.0% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
Top 8.9% in tier |
Signature Analysis
Strengths (2)
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 (3)
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)