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Rave Financial

Beaumont, TX · Charter 68735

NCUA · 14 branches

Q2 2026

$1.2BAssets
$1.0BLoans
$961.7MShares
$157.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.70%, up 24 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.57% of loans (+12 bps YoY).
  • Capital: net worth / assets of 12.82%, down 31 bps from a year ago.
  • Funding: loans stand at 104.27% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.70%+24 bps YoY

Net Interest Margin (quarter, annualized)

3.53%+29 bps YoY

Efficiency Ratio (quarter, annualized)

75.24%-588 bps YoY

Net Worth / Assets

12.82%-31 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.45%0.48%0.57%0.73%0.70%+24 bps
Return on Equity3.46%3.68%4.48%5.92%5.42%+196 bps
Net Interest Margin3.24%3.29%3.28%3.35%3.53%+29 bps
Efficiency Ratio81.13%80.53%78.71%74.52%75.24%-588 bps
Growth
Asset Growth (YoY)4.36%8.01%10.54%13.74%6.86%+250 bps
Loan Growth (YoY)9.46%14.81%15.50%14.91%9.61%+15 bps
Share Growth (YoY)3.91%6.52%10.11%17.10%8.55%+464 bps
Asset Quality
Delinquent Loans / Loans0.46%0.60%0.73%0.52%0.57%+12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.13%13.07%12.80%12.36%12.82%-31 bps
Net Worth / Assets13.13%13.07%12.80%12.36%12.82%-31 bps
Liquidity & Funding
Loans / Shares103.26%105.01%104.64%99.34%104.27%+101 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps