State credit union · Beaumont, Texas · NCUA charter #68735
Rave Financial
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $1.19B
- Total assets
- 86,407
- Members
- 12.4%
- Net-worth ratio
Rave Financial scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.19B; members 86,407; net-worth ratio 12.36%; health rank #1,264 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,264 of 4,374 health · 2025Q4Rave Financial · health 89/100 · $1.19B · 2025Q4
Call Report peers
Rave Financial in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Rave Financial vs every NCUA-scored credit union
Rave Financial sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Rave Financial: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 104.64% here, 83.90% peer average (+20.74 pp).
- Largest lag: Return on Assets at 0.37% vs peer 0.51% (-0.14 pp).
Rave Financial in Texas
- Health composite ranks #115 of 386 among scored Texas credit unions.
- By total assets, Rave Financial is #31 of 386 in Texas.
- Membership ranks #27 of 386 among Texas CUs with a reported count (86,407 members).
- One place up in Texas, MTCU (#114) ties at 89/100; one place down, Texas Dps (#116) ties at 89/100.
How Rave Financial's 5300 filing moved
Rave Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.1% from $1.19B (2025Q4) to $1.26B (2026Q1).
- Net-worth ratio shifted -0.44 pp (12.80% → 12.36%).
12.36% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Rave Financial gives up 11 points in total. Loan-to-Share Ratio costs the most, 6.2 of its 15; Net Worth Ratio and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.7 pts
- Return on Assets 13.1 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 8.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.36% | +1.18 pp |
| Delinquency Rate | 0.73% | -0.14 pp |
| Return on Assets | 0.37% | -0.14 pp |
| Member Growth | 6.15% | - |
| Loan-to-Share Ratio | 104.64% | +20.74 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - Rave Financial
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.26B | - |
| 2025Q4 | $1.19B | 86,407 |
| 2024Q4 | $1.08B | 81,401 |
| 2023Q4 | $1.11B | 78,446 |
Credit Union Details
- Charter Number
- 68735
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- Beaumont
- Data Quarter
- 2025Q4
Branch Locations (14)
Per its most recent NCUA branch filing, Rave Financial runs 14 offices in 11 different cities.
| Office | City |
|---|---|
| Calder Branch (Main Office) | Beaumont, TX |
| Delaware Branch | Beaumont, TX |
| Treadway Branch | Beaumont, TX |
| Carroll Street Branch | Beaumont, TX |
| Conroe Branch | Conroe, TX |
| Dayton Branch | Dayton, TX |
| Jasper Branch | Jasper, TX |
| Lumberton Branch | Lumberton, TX |
| Mont Belvieu | Mont Belvieu, TX |
| Mid-County Branch | Nederland, TX |
| Silsbee Branch | Silsbee, TX |
| Vidor Branch | Vidor, TX |
| Willis Branch | Willis, TX |
| Woodville Branch | Woodville, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Rave Financial
Similar total assets
Similar health score
Using this data
- Rave Financial ranks #1,264 of 4,374 nationally on financial health and #115 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FIRSTMARK is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FIRSTMARK
Frequently Asked Questions
Is Rave Financial financially healthy?
Rave Financial has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,264 of 4,374 nationally on health and #115 of 386 in Texas. Its net worth ratio is 12.36% and its delinquency rate 0.73%.
How does Rave Financial compare to other credit unions?
Rave Financial scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (104.64% vs 83.90%). Its widest shortfall is return on assets (0.37% vs 0.51%).
How can I join Rave Financial?
Membership eligibility for Rave Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Rave Financial directly for current membership requirements and application steps.
Is my money safe at Rave Financial?
Rave Financial is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Rave Financial's net worth ratio of 12.36% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.