Side-by-side · Q2 2026 data
Citizens Federal Credit Union vs Complex Community Federal Credit Union
Credit union
Complex Community Federal Credit Union
Odessa, Texas · $100 million – $1 billion
Metric by metric
| Measure | Citizens Federal Credit Union | Complex Community Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 85 |
| Capital cushion | 96 (stronger) | 88 |
| Loan quality | 96 (stronger) | 80 |
| Earnings | 87 (stronger) | 79 |
| Funding & liquidity | 66 | 90 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 95th | 87th |
| Total assets | $201.9M | $818.2M |
| Deposits / shares | $173.8M | $708.9M |
| Capital ratio | 14.60% (stronger) | 13.79% |
| Problem loans | 0.13% (stronger) | 0.59% |
| Net charge-offs | 0.39% (stronger) | 0.86% |
| Return on assets | 1.68% (stronger) | 1.46% |
| Loans ÷ deposits | 77.2% | 70.7% (stronger) |
| Uninsured deposits | 30.3% | 7.6% (stronger) |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.6% |
Citizens Federal Credit Union has the higher TellerScore (90 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Citizens Federal Credit Union leads on 5 and Complex Community Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.