Side-by-side · Q2 2026 data
Southwest Bank vs Complex Community Federal Credit Union
Credit union
Complex Community Federal Credit Union
Odessa, Texas · $100 million – $1 billion
Metric by metric
| Measure | Southwest Bank | Complex Community Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 85 (stronger) |
| Capital cushion | 63 | 88 (stronger) |
| Loan quality | 89 (stronger) | 80 |
| Earnings | 98 (stronger) | 79 |
| Funding & liquidity | 39 | 90 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 64th | 87th |
| Total assets | $693.7M | $818.2M |
| Deposits / shares | $610.6M | $708.9M |
| Capital ratio | 11.33% | 13.79% (stronger) |
| Problem loans | 0.34% (stronger) | 0.59% |
| Net charge-offs | 0.01% (stronger) | 0.86% |
| Return on assets | 1.95% (stronger) | 1.46% |
| Loans ÷ deposits | 79.8% | 70.7% (stronger) |
| Uninsured deposits | 52.0% | 7.6% (stronger) |
| Offices | 6 | 6 |
| 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 76). On the 7 directional measures above (where higher or lower is clearly better), Southwest Bank leads on 3 and Complex Community Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.