Rave Financial
Beaumont, TX · Charter 68735 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 14 branches
Q2 2026
$1.2BAssets
$1.0BLoans
$961.7MShares
$157.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 77% of credit unions $1B-$10B in assets (rank 99 of 435).
- Widest gap: return on equity trails 72% of credit unions $1B-$10B in assets (rank 312 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.70%
Rank 275 of 435
Net Interest Margin
3.53%
Rank 171 of 435
Efficiency Ratio
75.25%
Rank 286 of 435
Equity / Assets
12.82%
Rank 99 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.70% | 0.55% | 0.81% | 1.14% | Beats 37% | 275 / 435 | |
| Return on Equity | 5.42% | 5.12% | 7.41% | 9.70% | Beats 28% | 312 / 435 | |
| Net Interest Margin | 3.53% | 3.01% | 3.39% | 3.75% | Beats 61% | 171 / 435 | |
| Efficiency Ratio | 75.25% | 65.25% | 71.39% | 77.86% | Beats 34% | 286 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.57% | 0.45% | 0.69% | 1.05% | Beats 62% | 165 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.82% | 9.81% | 10.84% | 12.63% | Beats 77% | 99 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.82% | 9.81% | 10.84% | 12.63% | Beats 77% | 99 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 104.27% | 78.33% | 88.38% | 95.61% | 93rd pctl | 32 / 435 | |
| Loans / Assets | 81.80% | 67.69% | 74.58% | 80.80% | 81st pctl | 82 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |