Side-by-side · Q2 2026 data
Complex Community Federal Credit Union vs Odessa Employees Credit Union
Credit union
Complex Community Federal Credit Union
Odessa, Texas · $100 million – $1 billion
Metric by metric
| Measure | Complex Community Federal Credit Union | Odessa Employees Credit Union |
|---|---|---|
| TellerScore | 85 | 89 (stronger) |
| Capital cushion | 88 | 100 (stronger) |
| Loan quality | 80 | 100 (stronger) |
| Earnings | 79 (stronger) | 46 |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 87th | 87th |
| Total assets | $818.2M | $21.0M |
| Deposits / shares | $708.9M | $17.5M |
| Capital ratio | 13.79% | 16.15% (stronger) |
| Problem loans | 0.59% | 0.00% (stronger) |
| Net charge-offs | 0.86% | -0.00% (stronger) |
| Return on assets | 1.46% (stronger) | 0.65% |
| Loans ÷ deposits | 70.7% | 60.7% (stronger) |
| Uninsured deposits | 7.6% | 0.0% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.6% | — |
Odessa Employees Credit Union has the higher TellerScore (89 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Complex Community Federal Credit Union leads on 1 and Odessa Employees Credit Union on 6. 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.