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
- ASSETS 88/100
- MEM 11.4%
- RANK 0.80%
- PHOTO 0.38%
- BOOK $350.0M
- CHARTER 30,008
- NCUSIF #1,466/4,374
- CAMELS Red Rocks
- HEALTH 67609
Call Report peers
First Basin in the assets neighbourhood
First Basin's $350.0M assets sit next to Red Rocks ($350.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #67609 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
First Basin in Texas
- Texas health ordinal: #138 of 386.
- Texas assets place: #78 of 386.
- Texas membership ordinal: #67 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
First Basin Call Report trajectory
First Basin: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.8% from $350.0M (2025Q4) to $340.1M (2026Q1).
- Net-worth ratio shifted +0.44 pp (10.95% → 11.39%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for First Basin - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($350.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is First Basin financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - First Basin's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,466 of 4,374; by total assets it ranks #945 of 4,374 nationally (same basis as /rankings/largest); and #78 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.39% net worth ratio and 0.80% delinquency rate are the key drivers.
How does First Basin compare to other credit unions?
PlainCU's health composite puts First Basin at 88/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like First Basin are 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."
What rates does First Basin offer compared to banks?
Credit unions like First Basin are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact First Basin directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.