BlastPoint's Credit Union Scorecard

RAVE FINANCIAL

Charter #68735 · TX

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 28 in TX

View Mid-Market leaderboard →

RAVE FINANCIAL has 6 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 10.8% in tier
+ Emerging Performer: Top 46.2% in tier
+ Strong member growth: 6.3% YoY
+ Deposit Growth Rate: Top 6.9% in tier
+ Loan Growth Rate: Top 7.5% in tier
+ Asset Growth Rate: Top 8.5% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 7.9% in tier
- Indirect Auto Dependency: Bottom 8.9% in tier
- Liquidity Strain: Bottom 12.8% in tier
- Credit Quality Pressure: Bottom 46.8% in tier
- Indirect Auto Concentration (%): Bottom 7.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	88,140 +6.3% YoY+2.0% QoQ	-7.9K	96,048 -2.7% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	52%
Assets	$1.3B +13.7% YoY+5.1% QoQ	$-464.3M	$1.7B +0.4% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	26%
Loans	$988.4M +14.9% YoY+2.4% QoQ	$-225.3M	$1.2B +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	37%
Deposits	$995.0M +17.1% YoY+7.8% QoQ	$-470.6M	$1.5B +0.5% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	17%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% +63.5% YoY+26.1% QoQ	+0.0%	0.7% +27.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	56%
NIM	3.4% +3.1% YoY+1.0% QoQ	+0.0%	3.4% +6.2% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	49%
Efficiency Ratio	74.5% -8.8% YoY-5.3% QoQ	-0.1%	74.6% -3.0% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	48%
Delinquency Rate	0.5% +9.5% YoY-28.9% QoQ	-0.2	0.8% +6.9% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	39%
Loan To Share	99.3% -1.9% YoY-5.1% QoQ	+16.2%	83.2% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	Top 11.4% in tier
AMR	$22,503 +9.1% YoY+3.0% QoQ	$-7K	$29,652 +2.3% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	15%
CD Concentration	24.2% +4.4% YoY-2.5% QoQ	-4.6%	28.8%	21.3%	19.8%	29%
Indirect Auto %	45.3% +13.9% YoY+3.9% QoQ	+27.2%	18.1%	6.9%	7.7%	Bottom 7.0% in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#41 of 125 • Top 10.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 9.14%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | New qualifier

Emerging Performer

growth

#35 of 79 • Top 46.2% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.73%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 6.29%

(Tier: 3.50%, National: 10.19%)

better than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#15 of 198 • Bottom 8.9% in tier

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

Why This Signature

Asset Growth (YoY): 13.74%

(Tier: 6.82%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 45.32%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 6.29%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Liquidity Strain

risk

#13 of 148 • Bottom 12.8% in tier

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

Why This Signature

Loan-to-Share Ratio: 99.34%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 14.91%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank improving

Credit Risk Growth

risk

#71 of 183 • Bottom 7.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 14.91%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk

#178 of 225 • Bottom 46.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (7 metrics)

Deposit Growth Rate

growth

Value: 17.10%

Peer Median: 4.44%

#22 of 306 Top 6.9% in 1B-3B tier

Loan Growth Rate

growth

Value: 14.91%

Peer Median: 5.67%

#24 of 306 Top 7.5% in 1B-3B tier

Asset Growth Rate

growth

Value: 13.74%

Peer Median: 4.82%

#27 of 306 Top 8.5% in 1B-3B tier

AMR Growth Rate

growth

Value: 9.14%

Peer Median: 3.15%

#35 of 306 Top 11.1% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 99.34%

Peer Median: 85.31%

#35 of 306 Top 11.1% in 1B-3B tier

Member Growth Rate

growth

Value: 6.29%

Peer Median: 2.03%

#44 of 306 Top 14.1% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 19.19%

Peer Median: 33.05%

#47 of 306 Top 15.0% in 1B-3B tier

Top Weaknesses (3 metrics)

285

Indirect Auto Concentration (%)

balance_sheet

Value: 45.32%

Peer Median: 13.86%

#285 of 306 Bottom 7.2% in 1B-3B tier

259

Average Member Relationship (AMR)

engagement

Value: $22,503

Peer Median: $28,178

#259 of 306 Bottom 15.7% in 1B-3B tier

255

Total Deposits

balance_sheet

Value: $994.96M

Peer Median: $1.31B

#255 of 306 Bottom 17.0% in 1B-3B tier