Side-by-side · Q2 2026 data
Complex Community Federal Credit Union vs Texas Bay Credit Union
Credit union
Complex Community Federal Credit Union
Odessa, Texas · $100 million – $1 billion
Metric by metric
| Measure | Complex Community Federal Credit Union | Texas Bay Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 53 |
| Capital cushion | 88 (stronger) | 25 |
| Loan quality | 80 | 82 (stronger) |
| Earnings | 79 (stronger) | 31 |
| Funding & liquidity | 90 (stronger) | 67 |
| Problem-loan coverage | 95 (stronger) | 87 |
| Peer percentile | 87th | 9th |
| Total assets | $818.2M | $905.0M |
| Deposits / shares | $708.9M | $763.5M |
| Capital ratio | 13.79% (stronger) | 7.49% |
| Problem loans | 0.59% | 0.55% (stronger) |
| Net charge-offs | 0.86% (stronger) | 1.07% |
| Return on assets | 1.46% (stronger) | 0.27% |
| Loans ÷ deposits | 70.7% (stronger) | 93.1% |
| Uninsured deposits | 7.6% (stronger) | 8.0% |
| Offices | 6 | 10 |
| 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 53). On the 7 directional measures above (where higher or lower is clearly better), Complex Community Federal Credit Union leads on 6 and Texas Bay Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.