FIRST BASIN
Charter #67609 · Odessa, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 30,078 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.77% sits at the 79th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FIRST BASIN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $340.10M | 80th pct | 74th pct |
| Members | 30,078 | 94th pct | 87th pct |
| Net worth ratio | 11.39% | 49th pct | 54th pct |
| Return on average assets | 0.50% | 36th pct | 36th pct |
| Net interest margin | 3.37% | 33th pct | 38th pct |
| Cost of funds | 0.78% | 28th pct | 39th pct |
| Loan-to-share | 56.36% | 21th pct | 28th pct |
| Delinquency 60+ days | 0.30% | 22th pct | 30th pct |
| Net charge-off ratio | 0.77% | 82th pct | 79th pct |
| Loan growth YoY | -9.29% | 1th pct | 2th pct |
| Share growth YoY | 1.61% | 23th pct | 36th pct |
| Efficiency ratio | 86.70% | 77th pct | 74th pct |
structural peer set hash: 791758b292be38cda8e6fdf1450e89f7… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.