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
- ASSETS 89/100
- MEM 12.4%
- RANK 0.73%
- PHOTO 0.37%
- BOOK $1.19B
- CHARTER 86,407
- NCUSIF #1,264/4,374
- CAMELS First Commerce
- HEALTH 68735
Call Report peers
Rave Financial in the assets neighbourhood
Rave Financial's $1.19B assets sit next to First Commerce ($1.19B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Charter #68735's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Rave Financial's 5300 filing moved
Rave Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.1% from $1.19B (2025Q4) to $1.26B (2026Q1).
- Net-worth ratio shifted -0.44 pp (12.80% → 12.36%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for Rave Financial - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.19B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Rave Financial financially healthy?
Rave Financial has a financial health score of 89/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,264 of 4,374; by total assets it ranks #402 of 4,374 nationally (same basis as /rankings/largest); and #31 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.36% and delinquency rate of 0.73%.
How does Rave Financial compare to other credit unions?
Rave Financial scores 89/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Rave Financial are 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."
What rates does Rave Financial offer compared to banks?
Credit unions like Rave Financial are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Rave Financial directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.