Is it rude to already assume (by skin color) someone speaks a certain language?

Anonymous
I know some loose Spanish phrases and sentences (not a fluent conversation) but my accent sucks.

Just because I'm a non-white (some indigenous features) Mexican-American, all of the sudden certain latinos were asking me things in Spanish. Someone else apparently had trouble locating from an address.

Sometimes I get the ''what, you look 100% latina and you can't speak Spanish, is this a joke''? So just because of my physical features, why should I know Spanish? I'm an American.
Is it rude to already assume (by skin color) someone speaks a certain language?
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