State credit union · Odessa, Texas · NCUA charter #67609
First Basin
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $350.0M
- Total assets
- 30,008
- Members
- 11.4%
- Net-worth ratio
First Basin scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $350.0M; members 30,008; net-worth ratio 11.39%; health rank #1,466 of 4,374; healthier than 65th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,466 of 4,374 health · 2025Q4First Basin · health 88/100 · $350.0M · 2025Q4
Call Report peers
First Basin in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
First Basin vs every NCUA-scored credit union
First Basin sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% 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
First Basin: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.09 pp (0.80% vs 0.89%).
- Loan-to-Share Ratio trails the peer set - 60.34% here, 72.20% peer average (-11.86 pp).
First Basin in Texas
- Texas health ordinal: #138 of 386.
- Texas assets place: #78 of 386.
- Texas membership ordinal: #67 of 386.
- One place up in Texas, GENCO (#137) ties at 88/100; one place down, Associated Credit Union of Texas (#139) ties at 88/100.
First Basin Call Report trajectory
First Basin: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.8% from $350.0M (2025Q4) to $340.1M (2026Q1).
- Net-worth ratio shifted +0.44 pp (10.95% → 11.39%).
This credit union's 11.39% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
First Basin gives up 12 points in total. Member Growth costs the most, 4.9 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.0 pts
- Return on Assets 13.2 pts
- Member Growth 10.1 pts
- Loan-to-Share Ratio 12.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.39% | -0.72 pp |
| Delinquency Rate | 0.80% | -0.09 pp |
| Return on Assets | 0.38% | -0.24 pp |
| Member Growth | 0.92% | - |
| Loan-to-Share Ratio | 60.34% | -11.86 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
First Basin quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $340.1M | - |
| 2025Q4 | $350.0M | 30,008 |
| 2024Q4 | $311.5M | 29,735 |
| 2023Q4 | $316.3M | 29,389 |
Credit Union Details
- Charter Number
- 67609
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Odessa
- Data Quarter
- 2025Q4
Branch Locations (7)
First Basin operates 7 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| First Basin Credit Union (Main Office) | Odessa, TX |
| First Basin Credit Union | Andrews, TX |
| First Basin Credit Union | Lubbock, TX |
| First Basin Credit Union | Midland, TX |
| First Basin Credit Union | Odessa, TX |
| First Basin Credit Union | Odessa, TX |
| First Basin Credit Union | Odessa, 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.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- First Basin ranks #1,466 of 4,374 nationally on financial health and #138 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GULF is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GULF
Frequently Asked Questions
Is First Basin financially healthy?
First Basin has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,466 of 4,374 nationally on health and #138 of 386 in Texas. Its net worth ratio is 11.39% and its delinquency rate 0.80%.
How does First Basin compare to other credit unions?
First Basin scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.80% vs 0.89%). Its widest shortfall is loan-to-share ratio (60.34% vs 72.20%).
How can I join First Basin?
Membership eligibility for First Basin depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact First Basin directly for current membership requirements and application steps.
Is my money safe at First Basin?
First Basin is a state-chartered credit union; its shares are federally 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. First Basin's net worth ratio of 11.39% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.