# RAVE FINANCIAL 
Beaumont, TX · NCUA charter 68735 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/rave-financial-68735

Who the members are: state charter, organized 1935, low-income designated. 88,140 members of 6,951,154 potential (1.3% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 62.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.26B |
| Members | 88,140 (6.3% YoY) |
| Full-time staff | 272 |
| Net worth | $155.2M |
| Net worth ratio | 12.4% (p75 of band) |
| ROA (annualized) | 0.73% (p52 of band) |
| Total delinquency | 0.52% (p40 of band) |
| Net charge-offs (annualized) | 0.50% (p50 of band) |
| Loans / shares | 99% (p88 of band) |
| Cash / assets | 9.9% |
| Borrowings / assets | 7.57% |
| Net interest margin | 3.35% (p53 of band) |
| Operating expense / assets | 3.67% (p75 of band) |
| Vehicles % of loans | 54% (p93 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 83% |
| Third-party paper % of net worth | 298% (p85 of band) |
| Vehicle delinquency | 0.53% (p45 of band) |
| Vehicle NCO | 0.55% (p22 of band) |
| Repossessed % of vehicle book | 0.42% (p94 of band) |
| Real estate % of loans | 22% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 70% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 24% |
| Average share balance | $6,104 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $20.6M |
| Loans outstanding per 100 members | 62% |
| Loans granted per 100 members, annualized | 24% |
| Average loan balance | $18,164 |
| Loans granted, annualized | $489.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $20.6M outstanding purchased (13.2% of net worth), $0 sold and retained. Sold in 1 and bought in 2 of the last 8 quarters. Shares 17.1% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **repo signal** (`aq_repo`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2022-12 | 2 | leaning on borrowings, 3rd-party paper>100% NW |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | loans>95% of shares |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 5 | net worth falling, delinquency rising |  |
| 2024-03 | 3 |  | net worth falling, delinquency rising |
| 2024-06 | 4 | expense trap |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 4 | net worth falling | expense trap |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 5 | repo signal |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-09-02 [Mobiloil Credit Union set to rebrand as Rave Financial - Port Arthur News](https://news.google.com/rss/articles/CBMijgFBVV95cUxNTGpyaFhmVGNDcEJMblUxdVpDZGdUV0pTbnU0OHdSV0lKUDNLQ3YwNkd4VXR5cmFjRV9pNUE2dFYzdmpZWHg5YVRidWh4MDRqZVRub3ZxYUF6Z1o5eTZSbHJpOFk5MXkxMXczNTFVWXZ5bmdUT0R4aldRZUhlQmpFQjI3Q1NSdGN4cEJwTlBB?oc=5) · Port Arthur News
- 2024-08-14 [Confessions of a credit union executive turned community banker - American Banker](https://news.google.com/rss/articles/CBMitgFBVV95cUxPSmhNYnR2QWQ2T3VNSU0weGF5OFRKVXBzaG1hYkp3VnFZVXN1NFBWdTdKZEQyYWNnUWdQdGZVNDBSSHZvbWY4V2J4Y2k1WGRHWmlncS1jckpvdncyckx1RUpuZUVNTkdUUXFuQ1JxMTItV0ZYbktOSFpYdnlFXzJIYWdKa1FLdG8tUkhCdlF2QlBsTHIzUjYtQVFXNm9ybnJkTDJUc2hkTmxnVGxZcHgxZ3lOWXQyUQ?oc=5) · American Banker
- 2025-12-30 [14th annual Job Fair to connect local talent with employer - Woodlands Online](https://news.google.com/rss/articles/CBMia0FVX3lxTE5RSmRwdm9EdzlwUEtBSkVLNzd2bXJrNHNoTXlWbVFfNDZUQkN1YUJ1alZXNFowWjJkSlptNVFrYWRZMlVIXy1SRE5mSGFDY3JURkFaTUFKVFEzb25DemVWM2NRTndaNWloV0pr?oc=5) · Woodlands Online
- 2026-07-14 [CASA’s annual ‘Justice Is Served’ breakfast returns to Jasper Sept. 18 - easttexasbanner.com](https://news.google.com/rss/articles/CBMi_wFBVV95cUxOSkZKQnM5MHhVQlRIaG5ZcURRN0xnUG12cFBrSHJvRXpwaDFqOEVaLW93LWxWNkdrREVRSUJsdlB4OE9LU3pndEwwdFdXQ2VfLXdTN04wU2kyOWJGMTdGV1NzUkV1NGRFanJyQTR0TXpNeUhoVjZuUnVyV1VVUWl1OC0xY1NuaWtRbnZONFRTRWdVUGlOZjZOTFR6S3Fsa2l3QnowWnJTa09xQzhpS3VIS1d4am04UWpWWDc4SFRxZ0xOaXBROTRzSG9pSUhoaWx5dHRaMlZ6cUdYZFB5SnVGdlFrUHJXV2JVOXFqX1pNSmFLMjNiRE5uTk9OSDBCMEk?oc=5) · easttexasbanner.com
- 2025-05-26 [What's that going to be...on North Main Street in Vidor - Beaumont Enterprise](https://news.google.com/rss/articles/CBMirwFBVV95cUxPMWZpdFJlZU96TlA3SkFzYUp4MFpWLWpZRjFhbzE2SHZRekNNMHBEUU5FUWNub01NY0RlM1ZsVlBrSWE1WHhVbzVYRHlSRnBBZUpPS3U4RWROeXUyUi1OcTIxT1hPOXlPZm9XUXIxVjFBbTZzUS1mR1VyNGJGT0x1RGpJNHpBRzJ5VktVNzFlUkc2dmY3bUtnamJBcklQM3cxZ1NYakwwdVBhai03NC1N?oc=5) · Beaumont Enterprise
- 2024-08-23 [Triumph Industrial Supply opens with ribbon cutting - Baytown Sun](https://news.google.com/rss/articles/CBMiygFBVV95cUxNc2VUMUxDQmRzWkVqTlVqbFVpTWV5QlM2VlNZdzVjWTlINzVPYVN6c1NxZ0tSbHJLOGloaV91SWpfX3FxeHJZZFU5MlVMQWE0TkROZmk2cjFlRnVKOC0wQnNQV1gyeHBNY1BtR1hkLXVoelBEdW5GZTJyR3c4YzNxUFlXeVdod19JZzJzNVN3RTBDaVNvVFEyTmlQS1lVMGNrN3ZHS0lUNkxoWUxLX18zdmo0aXd1b0NtUTFRa0RGZ1VUcmRlcG81bGx3?oc=5) · Baytown Sun
- 2024-02-28 [Google Wallet grows with 42 new supported banks in the US - androidpolice.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQdTExb0swWkFSZ0xMRGU1OElrTVI2TFRrT1RUaFFkMTJtR0pIM0VmVGJXQ2hYbVZ5dEFwTjhZLU1Jbk9nT21iYmZmWVZFdWtMQTdGcXBOQVl6b3R6SWVmTDBaWGlWWVRCZXN4bmpOeVZ2cS01bTRYeFF6Yi14Tm40MDVCRkR3WXNLUnBKbXY1MzVpeWc?oc=5) · androidpolice.com
- 2026-01-13 [Meet the new board members for Better Business Bureau SETX Foundation - Beaumont Enterprise](https://news.google.com/rss/articles/CBMirwFBVV95cUxOT2Zka3h6eGt0WnI2WWZDTl9PMW9tNF9jdmVqb2RGc3RJNEpMNkVMdXZiRUx5ejdLU2o5aER1bWtLNzRoUWRwZGVtbzNTYW9vTVpYZmwxUTJqcVU1ZnYzdVo5Nm15WnhOV0lkMVpDZHNVaXdKS0NjMkVnZGExeXE5cENIUXlVOXNVZnZmZ1VWOEJIclFVVTI3eE9TMUhxdlY1SWJnSmlmczVidVNpSWtR?oc=5) · Beaumont Enterprise

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68735 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/63.json (key "68735", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68735
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide