Credit Union Safety Analysis
Is First Basin Credit Union Safe? Odessa, Texas
Based on its Q2 2026 NCUA 5300 call report, First Basin Credit Union has a net worth ratio of 11.46%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.29%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of First Basin Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, First Basin Credit Union's net worth ratio is 11.46%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.46%
- Delinquency ratio (60+ days) (Q2 2026): 0.29%
- Return on assets (Q2 2026): 0.69%
- Loan-to-share ratio (Q2 2026): 56.99%
First Basin Credit Union (NCUA charter 67609, established 1979) reported $343.2M in assets and 31,008 members for Q2 2026 from Odessa, Texas. It ranks 78 of 377 credit unions in Texas by total assets. Total assets fell 2.3% from $351.4M on June 30, 2025. It has 1,619 more members than on June 30, 2025 (+5.5%). Its net worth ratio was up 1.28 percentage points from 10.18% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $55.9M of $158.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.29% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 11.39% for Q1 2026; 10.18% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.30% for Q1 2026; 0.70% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.50% for Q1 2026; 0.70% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 56.36% for Q1 2026; 65.22% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $55.9M
- New vehicle loans: $32.9M
- Commercial loans: $31.7M
- Used vehicle loans: $29.1M
- Other unsecured loans and lines of credit: $3.5M
- Unsecured credit card loans: $2.8M
- Other secured non-real estate loans and lines of credit: $2.7M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $343.2M | 11.46% | 0.29% | 0.69% | 56.99% |
| March 31, 2026 | $340.1M | 11.39% | 0.30% | 0.50% | 56.36% |
| December 31, 2025 | $350.0M | 10.95% | 0.80% | 0.64% | 60.34% |
| September 30, 2025 | $352.8M | 10.70% | 0.51% | 2.26% | 63.12% |
| June 30, 2025 | $351.4M | 10.18% | 0.70% | 0.70% | 65.22% |
| March 31, 2025 | $345.1M | 10.18% | 0.45% | 0.54% | 69.44% |
Add this badge to your website
Free to use. It shows First Basin Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
First Basin Credit Union profile
Regulator records: NCUA credit union profile (charter 67609) · FFIEC NIC profile (RSSD 1221567)
Frequently asked questions
Is First Basin Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, First Basin Credit Union's net worth ratio is 11.46%, above the 7% NCUA threshold for well capitalized.
Is First Basin Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. First Basin Credit Union is a federally insured credit union (NCUA charter 67609): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are First Basin Credit Union's key safety ratios?
For Q2 2026, First Basin Credit Union reports net worth 11.46%, delinquency 0.29%, ROA 0.69%, loan-to-share 56.99%.
What happens to my money if First Basin Credit Union fails?
For Q2 2026, First Basin Credit Union held $278.5M in shares and deposits for 31,008 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.