First Basin

Odessa, TX · 2 · Charter #67609 · www.firstbasin.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$350.0M
29th percentile
Members
30,008
53th percentile
Total loans
$168.7M
10th percentile
Total shares
$279.6M
23th percentile

Profitability

Return on assets
1.00%
52th percentile
Net interest margin
3.43%
48th percentile
Efficiency ratio
68.56%
15th percentile
Non-interest income ratio
34.08%
97th percentile

Capital & Risk

Net worth ratio
10.95%
51th percentile
Delinquency rate
0.80%
41th percentile
Net charge-off rate
0.72%
24th percentile
Loan-to-share
60.34%
13th percentile

Growth

Member growth YoY
0.92%
54th percentile
Asset growth YoY
12.33%
93th percentile
Loan growth YoY
-16.94%
0th percentile
Share growth YoY
3.22%
37th percentile

Operations

Members / branch
4,287
42th percentile
Assets / member
$11,662
10th percentile
Field of membership penetration
3.94%
48th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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