Complex Community Federal Credit Union Odessa, Texas
Complex Community Federal Credit Union is a federal credit union headquartered in Odessa, TX, established in 1958 (NCUA charter 12697), and it is regulated and insured by the NCUA. At Q2 2026 it reported 44,307 members and total assets of $818.2M (up 6.3% from Q2 2025), the 46th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 13.79% at Q2 2026, in the well capitalized band.
Also written as Complex Community FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 12697
- Headquarters
- Odessa, TX
- Established
- 1958
- Total assets, Q2 2026
- $818.2M
- Assets vs Q2 2025
- +6.3%
- Members, Q2 2026
- 44,307
- Net worth ratio, Q2 2026
- 13.79%
- Latest call report
- Q2 2026, NCUA 5300 · Complex Community Federal Credit Union call report
- Asset rank in state
- 46th of 377 in Texas
- Routing number
- 316386832
- Branches
- 11
It has 648 more members than on June 30, 2025 (+1.5%). Its net worth ratio was up 0.17 percentage points from 13.62% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $185.7M of $501.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.59% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 13.79% net worth ratio is above that band's 11.43% median.
Credit unions merged into Complex Community Federal Credit Union
Howard County Employees Federal Credit Union (2016) · Big Spring Community Federal Credit Union (2013)
Frequently asked about Complex Community Federal Credit Union
How big is Complex Community Federal Credit Union?
At Q2 2026 it reported total assets of $818.2M and 44,307 members.
Where is Complex Community Federal Credit Union headquartered?
It is headquartered in Odessa, TX, United States.
When was Complex Community Federal Credit Union founded?
It was established in 1958, per NCUA records.
Is Complex Community Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 12697): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Complex Community Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Complex Community Federal Credit Union well capitalized?
Its net worth ratio was 13.79% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Complex Community Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.59% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Complex Community Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 70.72% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Odessa, TX 79762
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1958
- NCUA Charter #
- 12697
- RSSD ID
- 154480
- Members
- 44,307
- Potential members
- 60,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 13.79% | 11.43% | 76th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.62% | 0.81% | 88th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 11.73% | 7.02% | 85th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.71% | 3.70% | 51st above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 64.05% | 76.55% | 83rd top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.16% | 1.24% | 56th above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.59% | 0.68% | 58th above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.87% | 4.92% | 47th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 70.72% | 75.66% | 41st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$818.2M total assets against $769.6M; $708.9M total shares and deposits against $668.7M; $501.4M total loans against $505.5M.
$112.9M net worth against $104.8M.
13.79% net worth ratio against 13.62%.
70.72% loan-to-share ratio against 75.60%.
0.59% delinquency ratio against 0.60%.
1.62% return on assets against 1.58%; 11.73% return on equity against 11.62%.
3.71% net interest margin against 3.79%.
44,307 members against 43,659.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.79% | 1.62% | 0.59% | 70.72% |
| March 31, 2026 | 13.49% | 1.32% | 0.56% | 71.47% |
| December 31, 2025 | 13.64% | -0.51% | 0.68% | 73.68% |
| September 30, 2025 | 13.94% | 1.59% | 0.69% | 76.33% |
| June 30, 2025 | 13.62% | 1.58% | 0.60% | 75.60% |
| March 31, 2025 | 13.19% | 1.62% | 0.45% | 75.01% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.