TellerScore

Headquartered in Beaumont, Texas, Rave Financial Credit Union is a federally insured state-chartered credit union with $1.2B in total assets and $961.7M in member shares and deposits as of Q2 2026. It operates 14 offices. Its charter dates back to 1935.

Rave Financial Credit Union has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than 62% of its 454 credit unions with $1 billion – $10 billion. Among 380 credit unions headquartered in Texas, it ranks 202nd. Problem-loan coverage contributes the most (90/100, 4.9%); earnings contributes the least (48/100, 0.70%).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Net worth ratio: 12.82%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.57%
Earnings48/100
Return on assets (annualized): 0.70%
Funding & liquidity56/100
Loans ÷ shares: 104.3% · 8.2% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.88%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (71 → 71).

TellerScore
687072Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202472
Q4 202471
Q1 202572
Q2 202571
Q3 202569
Q4 202568
Q1 202671
Q2 202671
Net worth ratio
7.00%10.36%13.72%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.39%
Q3 202413.72%
Q4 202413.68%
Q1 202513.49%
Q2 202513.11%
Q3 202513.05%
Q4 202512.80%
Q1 202612.36%
Q2 202612.82%
Delinquent loans (60+ days)
0.46%0.60%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.49%
Q3 20240.60%
Q4 20240.68%
Q1 20250.48%
Q2 20250.46%
Q3 20250.60%
Q4 20250.73%
Q1 20260.52%
Q2 20260.57%
Return on assets
0.35%0.54%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.38%
Q3 20240.35%
Q4 20240.41%
Q1 20250.44%
Q2 20250.45%
Q3 20250.48%
Q4 20250.57%
Q1 20260.73%
Q2 20260.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$1.2B12.82%0.57%0.70%104.3%
Q1 202671$1.3B12.36%0.52%0.73%99.3%
Q4 202568$1.2B12.80%0.73%0.57%104.6%
Q3 202569$1.2B13.05%0.60%0.48%105.0%
Q2 202571$1.1B13.11%0.46%0.45%103.3%
Q1 202572$1.1B13.49%0.48%0.44%101.2%
Q4 202471$1.1B13.68%0.68%0.41%99.8%
Q3 202472$1.1B13.72%0.60%0.35%97.4%
Q2 202472$1.1B13.39%0.49%0.38%98.0%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.82%
77th
Problem loans0.57%
62nd
Net charge-offs0.53%
48th
Return on assets0.70%
38th
Loans to deposits104.3%
7th
Uninsured deposits8.2%
59th
Loan-loss reserves0.00%
50th
Texas ratio4.9%
48th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Neches Federal Credit UnionCredit union Port Neches, TX93 out of 100, Very strong$1.2B14.7%0.20%vs
Amplify Credit UnionCredit union Austin, TX56 out of 100, Moderate$1.3B10.8%0.70%vs
Gulf Coast Educators Federal Credit UnionCredit union Pasadena, TX77 out of 100, Strong$1.3B15.7%0.90%vs
Worth Credit UnionCredit union Bedford, TX70 out of 100, Strong$1.3B10.8%0.62%vs
Firstmark Credit UnionCredit union San Antonio, TX65 out of 100, Moderate$1.3B9.6%0.70%vs
Neighborhood Credit UnionCredit union Dallas, TX59 out of 100, Moderate$1.1B10.8%1.54%vs

Deposit insurance

Is my money safe at Rave Financial Credit Union?

Yes. Rave Financial Credit Union is a federally insured credit union (NCUA charter #68735). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 8.2% of shares and deposits ($79.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 12.82%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

14 locations

Branches

Rave Financial Credit Union lists 14 offices in 11 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Rave Financial Credit Union reported 452 home-loan applications under HMDA (LEI 549300SWDNGYGQBG4K69): 256 originated ($29,590,000 total), 144 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 33.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Rave Financial Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68735
RSSD ID
598570
Primary regulator
State + NCUA
Established
1935
Headquarters
P.O. Box 12849, Beaumont, TX 77726
Employees
281

Quick answers

Rave Financial Credit Union: common questions

Is Rave Financial Credit Union NCUA insured?

Yes. Rave Financial Credit Union is a federally insured credit union (NCUA charter #68735). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Rave Financial Credit Union's TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Rave Financial Credit Union have?

14 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Beaumont

InstitutionScoreAssetsCapitalProblem loansCompare
Port Arthur Teachers Federal Credit UnionCredit union Port Arthur, TX94 out of 100, Very strong$38.0M14.9%0.35%vs
Neches Federal Credit UnionCredit union Port Neches, TX93 out of 100, Very strong$1.2B14.7%0.20%vs
Dugood Federal Credit UnionCredit union Beaumont, TX87 out of 100, Very strong$609.4M13.4%0.09%vs
Common Cents Federal Credit UnionCredit union Beaumont, TX87 out of 100, Very strong$34.2M12.1%0.30%vs
Synergy Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$334.2M15.8%0.29%vs
Vidor Teachers Federal Credit UnionCredit union Vidor, TX83 out of 100, Strong$3.3M15.8%0.00%vs