Side-by-side · Q2 2026 data
Complex Community Federal Credit Union vs Mtcu Credit Union
Credit union
Complex Community Federal Credit Union
Odessa, Texas · $100 million – $1 billion
Metric by metric
| Measure | Complex Community Federal Credit Union | Mtcu Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 69 |
| Capital cushion | 88 (stronger) | 75 |
| Loan quality | 80 (stronger) | 73 |
| Earnings | 79 (stronger) | 27 |
| Funding & liquidity | 90 (stronger) | 88 |
| Problem-loan coverage | 95 (stronger) | 92 |
| Peer percentile | 87th | 48th |
| Total assets | $818.2M | $137.3M |
| Deposits / shares | $708.9M | $121.1M |
| Capital ratio | 13.79% (stronger) | 12.47% |
| Problem loans | 0.59% (stronger) | 0.80% |
| Net charge-offs | 0.86% | 0.48% (stronger) |
| Return on assets | 1.46% (stronger) | 0.18% |
| Loans ÷ deposits | 70.7% (stronger) | 72.3% |
| Uninsured deposits | 7.6% | 0.2% (stronger) |
| Offices | 6 | 3 |
| 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 69). On the 7 directional measures above (where higher or lower is clearly better), Complex Community Federal Credit Union leads on 5 and Mtcu Credit Union on 2. 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.