Side-by-side · Q2 2026 data
Complex Community Federal Credit Union vs Midland Municipal Employees Credit Union
Credit union
Complex Community Federal Credit Union
Odessa, Texas · $100 million – $1 billion
Credit union
Midland Municipal Employees Credit Union
Midland, Texas · Under $100 million in assets
Metric by metric
| Measure | Complex Community Federal Credit Union | Midland Municipal Employees Credit Union |
|---|---|---|
| TellerScore | 85 | 85 |
| Capital cushion | 88 | 99 (stronger) |
| Loan quality | 80 | 85 (stronger) |
| Earnings | 79 (stronger) | 46 |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 87th | 77th |
| Total assets | $818.2M | $17.1M |
| Deposits / shares | $708.9M | $14.5M |
| Capital ratio | 13.79% | 14.92% (stronger) |
| Problem loans | 0.59% | 0.44% (stronger) |
| Net charge-offs | 0.86% | -0.00% (stronger) |
| Return on assets | 1.46% (stronger) | 0.65% |
| Loans ÷ deposits | 70.7% | 29.5% (stronger) |
| Uninsured deposits | 7.6% | 6.7% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.6% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Complex Community Federal Credit Union leads on 1 and Midland Municipal Employees Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.