TellerScore

Complex Community Federal Credit Union is a federal credit union headquartered in Odessa, Texas, in business for about 68 years. At the end of Q2 2026 it reported $818.2M in total assets and $708.9M in member shares and deposits, with 6 offices.

Complex Community Federal Credit Union has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 87% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 73rd. Problem-loan coverage contributes the most (95/100, 2.6%); earnings contributes the least (79/100, 1.46%).

TellerScore · Q2 2026

Scorecard

Capital cushion88/100
Net worth ratio: 13.79%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.59%
Earnings79/100
Return on assets (annualized): 1.46%
Funding & liquidity90/100
Loans ÷ shares: 70.7% · 7.6% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.62%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (85 → 85).

TellerScore
758085Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202477
Q4 202475
Q1 202585
Q2 202585
Q3 202585
Q4 202580
Q1 202683
Q2 202685
Net worth ratio
7.00%10.47%13.94%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.26%
Q3 202412.24%
Q4 202411.92%
Q1 202513.19%
Q2 202513.62%
Q3 202513.94%
Q4 202513.64%
Q1 202613.49%
Q2 202613.79%
Delinquent loans (60+ days)
0.45%0.57%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.50%
Q3 20240.45%
Q4 20240.59%
Q1 20250.45%
Q2 20250.60%
Q3 20250.69%
Q4 20250.68%
Q1 20260.56%
Q2 20260.59%
Return on assets
0.97%1.30%1.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.22%
Q3 20241.10%
Q4 20240.97%
Q1 20251.62%
Q2 20251.60%
Q3 20251.59%
Q4 20251.05%
Q1 20261.32%
Q2 20261.46%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$818.2M13.79%0.59%1.46%70.7%
Q1 202683$811.9M13.49%0.56%1.32%71.5%
Q4 202580$783.9M13.64%0.68%1.05%73.7%
Q3 202585$774.4M13.94%0.69%1.59%76.3%
Q2 202585$769.6M13.62%0.60%1.60%75.6%
Q1 202585$771.5M13.19%0.45%1.62%75.0%
Q4 202475$827.5M11.92%0.59%0.97%76.1%
Q3 202477$794.5M12.24%0.45%1.10%80.9%
Q2 202478$778.4M12.26%0.50%1.22%82.2%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.79%
77th
Problem loans0.59%
57th
Net charge-offs0.86%
14th
Return on assets1.46%
88th
Loans to deposits70.7%
60th
Uninsured deposits7.6%
33rd
Loan-loss reserves0.00%
50th
Texas ratio2.6%
67th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Smart Financial Credit UnionCredit union Houston, TX69 out of 100, Moderate$807.5M11.8%1.16%vs
Texell Credit UnionCredit union Temple, TX70 out of 100, Strong$801.0M10.5%0.60%vs
Intouch Credit UnionCredit union Plano, TX55 out of 100, Moderate$837.4M8.9%1.38%vs
Southwest Airlines Federal Credit UnionCredit union Dallas, TX69 out of 100, Moderate$860.9M11.5%0.59%vs
Primeway Federal Credit UnionCredit union Houston, TX60 out of 100, Moderate$735.7M12.8%1.33%vs
Generations Community Federal Credit UnionCredit union San Antonio, TX57 out of 100, Moderate$734.6M9.3%0.88%vs

Deposit insurance

Is my money safe at Complex Community Federal Credit Union?

Yes. Complex Community Federal Credit Union is a federally insured credit union (NCUA charter #12697). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 7.6% of shares and deposits ($53.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.79%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Complex Community Federal Credit Union lists 6 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Complex Community Federal Credit Union reported 330 home-loan applications under HMDA (LEI 2549002DGXCCIY4BGZ41): 221 originated ($41,365,000 total), 72 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Complex Community Federal Credit Union
Type
Federal credit union
NCUA charter #
12697
RSSD ID
154480
Primary regulator
NCUA
Established
1958
Headquarters
4519 E 51st St, Odessa, TX 79762
Employees
155

Quick answers

Complex Community Federal Credit Union: common questions

Is Complex Community Federal Credit Union NCUA insured?

Yes. Complex Community Federal Credit Union is a federally insured credit union (NCUA charter #12697). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Complex Community Federal Credit Union's TellerScore?

85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Complex Community Federal Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Odessa

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Federal Credit UnionCredit union Big Spring, TX90 out of 100, Very strong$201.9M14.6%0.13%vs
Odessa Employees Credit UnionCredit union Odessa, TX89 out of 100, Very strong$21.0M16.1%0.00%vs
Midland Municipal Employees Credit UnionCredit union Midland, TX85 out of 100, Very strong$17.1M14.9%0.44%vs
The First National Bank of StantonBank Stanton, TX85 out of 100, Very strong$394.9M17.5%1.08%vs
Southwest Heritage Credit UnionCredit union Odessa, TX83 out of 100, Strong$260.9M13.3%0.20%vs
Txdot Credit UnionCredit union Abilene, TX81 out of 100, Strong$18.2M17.2%0.54%vs