Side-by-side · Q2 2026 data
Complex Community Federal Credit Union vs Smart Financial Credit Union
Credit union
Complex Community Federal Credit Union
Odessa, Texas · $100 million – $1 billion
Metric by metric
| Measure | Complex Community Federal Credit Union | Smart Financial Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 69 |
| Capital cushion | 88 (stronger) | 68 |
| Loan quality | 80 (stronger) | 61 |
| Earnings | 79 (stronger) | 68 |
| Funding & liquidity | 90 (stronger) | 77 |
| Problem-loan coverage | 95 (stronger) | 82 |
| Peer percentile | 87th | 48th |
| Total assets | $818.2M | $807.5M |
| Deposits / shares | $708.9M | $700.6M |
| Capital ratio | 13.79% (stronger) | 11.84% |
| Problem loans | 0.59% (stronger) | 1.16% |
| Net charge-offs | 0.86% | 0.54% (stronger) |
| Return on assets | 1.46% (stronger) | 1.20% |
| Loans ÷ deposits | 70.7% (stronger) | 83.7% |
| Uninsured deposits | 7.6% | 2.8% (stronger) |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.6% | 41.1% |
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 Smart Financial Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.