RAVE FINANCIAL
Charter #68735 · Beaumont, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 12.36% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 17th percentile but its structural peers at the 38th — a 21-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | RAVE FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.26B | 17th pct | 38th pct |
| Members | 88,140 | 34th pct | 51th pct |
| Net worth ratio | 12.36% | 75th pct | 75th pct |
| Return on average assets | 0.75% | 53th pct | 43th pct |
| Net interest margin | 3.44% | 55th pct | 36th pct |
| Cost of funds | 2.11% | 67th pct | 74th pct |
| Loan-to-share | 99.34% | 89th pct | 89th pct |
| Delinquency 60+ days | 0.52% | 40th pct | 49th pct |
| Net charge-off ratio | 0.51% | 48th pct | 34th pct |
| Loan growth YoY | 4.98% | 82th pct | 84th pct |
| Share growth YoY | 10.97% | 93th pct | 98th pct |
| Efficiency ratio | 74.52% | 57th pct | 54th pct |
structural peer set hash: cad3f8d4a725ee475e9da00f8bbf4341… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.