Side-by-side · Q2 2026 data
West Texas National Bank vs Complex Community Federal Credit Union
Credit union
Complex Community Federal Credit Union
Odessa, Texas · $100 million – $1 billion
Metric by metric
| Measure | West Texas National Bank | Complex Community Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 85 (stronger) |
| Capital cushion | 55 | 88 (stronger) |
| Loan quality | 44 | 80 (stronger) |
| Earnings | 84 (stronger) | 79 |
| Funding & liquidity | 50 | 90 (stronger) |
| Problem-loan coverage | 81 | 95 (stronger) |
| Peer percentile | 21st | 87th |
| Total assets | $2.9B | $818.2M |
| Deposits / shares | $2.6B | $708.9M |
| Capital ratio | 10.52% | 13.79% (stronger) |
| Problem loans | 1.67% | 0.59% (stronger) |
| Net charge-offs | 0.86% | 0.86% (stronger) |
| Return on assets | 1.59% (stronger) | 1.46% |
| Loans ÷ deposits | 57.4% (stronger) | 70.7% |
| Uninsured deposits | 64.1% | 7.6% (stronger) |
| Offices | 13 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.5% | 22.6% |
Complex Community Federal Credit Union has the higher TellerScore (85 vs 60). On the 7 directional measures above (where higher or lower is clearly better), West Texas National Bank leads on 2 and Complex Community Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.