First Basin
Odessa, TX · Charter 67609 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 7 branches
Q2 2026
$343.2MAssets
$158.7MLoans
$278.5MShares
$39.3MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 71% of credit unions under $1B in assets in TX (rank 68 of 235).
- Widest gap: equity / assets trails 74% of credit unions under $1B in assets in TX (rank 174 of 235).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.59%
Rank 115 of 235
Net Interest Margin
3.44%
Rank 163 of 235
Efficiency Ratio
85.04%
Rank 141 of 235
Equity / Assets
11.46%
Rank 174 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.59% | 0.17% | 0.57% | 1.10% | Beats 51% | 115 / 235 | | |
| Return on Equity | 5.19% | 1.03% | 4.30% | 7.58% | Beats 58% | 98 / 235 | | |
| Net Interest Margin | 3.44% | 3.32% | 3.89% | 4.35% | Beats 31% | 163 / 235 | | |
| Efficiency Ratio | 85.04% | 70.60% | 82.00% | 91.57% | Beats 40% | 141 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.20% | 0.59% | 1.14% | Beats 71% | 68 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.46% | 11.30% | 14.41% | 19.49% | Beats 26% | 174 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.46% | 11.30% | 14.41% | 19.49% | Beats 26% | 174 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 56.99% | 54.18% | 67.38% | 81.66% | 29th pctl | 166 / 235 | | |
| Loans / Assets | 46.24% | 43.80% | 56.63% | 68.64% | 29th pctl | 167 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |