First Basin Credit Union

First Basin Credit Union is headquartered in Odessa and is the 77^th largest credit union in the state of Texas. It is also the 915^st largest credit union in the nation. It was established in 1965 and as of December of 2012, it had grown to 75 employees and 21,700 members. First Basin Credit Union has a 5-star health rating.

First Basin Credit Union Routing Number: 316386803

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Data for Q4 2012

Institution Statistics FIRST BASIN NCUA # 67609 BankRate Report View Year Chartered 1965 Employees 75 Primary Regulator Assets and Liabilities Assets $193.06 million Loans $80.90 million Deposits $175.99 million Equity Capital $14.38 million Loan Loss Allowance $1.05 million Unbacked Noncurrent Loans $122,000 Real Estate Owned $588,000 Historic Data - December 2011 Assets $173.37 million Equity Capital $13.23 million Loan Loss Allowance $1.05 million Unbacked Noncurrent Loans $1.30 million Real Estate Owned $328,000 Profit Margin - Quarterly Net Interest Margin 6.02% Return on Assets 0.63% Return on Equity 8.41% Interest Income $5.90 million Non-Interest Income $3.44 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 First Basin Credit Union had $710,000 in non-current loans and owned real-estate with $15.44 million in equity and loan loss allowances on hand to cover it. This gives First Basin Credit Union a Texas Ratio of 4.60% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Basin Credit Union decreased significantly from 11.41% as of December 31, 2011 to 4.60% as of December 31, 2012, resulting in a positive change of 59.68%.This indicates that the balance sheet and financial strength for First Basin Credit Union has improved significantly in recent periods. Deposit Growth In the past year, First Basin Credit Union has increased its total deposits by $18.82 million, resulting in 11.97% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Basin Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Basin Credit Union has $193.06 million in assets with $15.44 million in equity, resulting in a capitalization level of 7.99%, which is below average.