Side-by-side · Q2 2026 data
Bank of Texas vs Complex Community Federal Credit Union
Credit union
Complex Community Federal Credit Union
Odessa, Texas · $100 million – $1 billion
Metric by metric
| Measure | Bank of Texas | Complex Community Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 85 (stronger) |
| Capital cushion | 80 | 88 (stronger) |
| Loan quality | 84 (stronger) | 80 |
| Earnings | 86 (stronger) | 79 |
| Funding & liquidity | 25 | 90 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 61st | 87th |
| Total assets | $543.6M | $818.2M |
| Deposits / shares | $451.2M | $708.9M |
| Capital ratio | 13.01% | 13.79% (stronger) |
| Problem loans | 0.48% (stronger) | 0.59% |
| Net charge-offs | 0.00% (stronger) | 0.86% |
| Return on assets | 1.65% (stronger) | 1.46% |
| Loans ÷ deposits | 85.4% | 70.7% (stronger) |
| Uninsured deposits | 70.3% | 7.6% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.6% |
Complex Community Federal Credit Union has the higher TellerScore (85 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Bank of Texas leads on 3 and Complex Community Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.