Federal credit union · ODESSA, Texas · NCUA charter #12697
Complex Community
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $783.9M
- Total assets
- 43,835
- Members
- 13.5%
- Net-worth ratio
Complex Community scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $783.9M; members 43,835; net-worth ratio 13.49%; health rank #482 of 4,374; healthier than 87th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#482 of 4,374 health · 2025Q4Complex Community · health 94/100 · $783.9M · 2025Q4
Call Report peers
Complex Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Complex Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Complex Community sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Complex Community
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +2.31 pp (13.49% vs 11.18%).
- Loan-to-Share Ratio trails the peer set - 73.68% here, 83.90% peer average (-10.22 pp).
Complex Community: in-state Call Report ranks
- Texas health ordinal: #47 of 386.
- By total assets, Complex Community is #47 of 386 in Texas.
- Member book place in Texas: #54 of 386.
- One place up in Texas, TEXASGULF (#46) ties at 94/100; one place down, VALLEY (#48) ties at 94/100.
Quarter path for Complex Community
Complex Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $783.9M (2025Q4) to $811.9M (2026Q1).
- Net-worth ratio shifted -0.15 pp (13.64% → 13.49%).
13.49% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
Complex Community gives up 6 points in total. Member Growth costs the most, 4.2 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.2 pts
- Return on Assets 15.0 pts
- Member Growth 10.8 pts
- Loan-to-Share Ratio 15.0 pts
Complex Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.49% | +2.31 pp |
| Delinquency Rate | 0.68% | -0.20 pp |
| Return on Assets | 1.03% | +0.52 pp |
| Member Growth | 1.52% | - |
| Loan-to-Share Ratio | 73.68% | -10.22 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - Complex Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $811.9M | - |
| 2025Q4 | $783.9M | 43,835 |
| 2024Q4 | $827.5M | 43,180 |
| 2023Q4 | $756.9M | 42,350 |
Credit Union Details
- Charter Number
- 12697
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Texas
- City
- ODESSA
- Data Quarter
- 2025Q4
Branch Locations (11)
Complex Community operates 11 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| OPERATIONS & TRAINING CENTER (Main Office) | Odessa, TX |
| ANDREWS | Andrews, TX |
| BIG SPRING | Big Spring, TX |
| LUBBOCK FRANKFORD | Lubbock, TX |
| LUBBOCK UNIVERSITY | Lubbock, TX |
| CENTRAL MIDLAND | Midland, TX |
| SOUTH MIDLAND | Midland, TX |
| MONAHANS | Monahans, TX |
| NORTH OFFICE | Odessa, TX |
| SOUTH ODESSA | Odessa, TX |
| WEST ODESSA | Odessa, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- Complex Community ranks #482 of 4,374 nationally on financial health and #47 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TEXELL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TEXELL
Frequently Asked Questions
Is Complex Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Complex Community scores 94/100 (Excellent), with a 13.49% net worth ratio and 0.68% of loans delinquent. It ranks #482 of 4,374 nationally on health and #47 of 386 in Texas.
How does Complex Community compare to other credit unions?
Complex Community scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (13.49% vs 11.18%). Its widest shortfall is loan-to-share ratio (73.68% vs 83.90%).
How can I join Complex Community?
Complex Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Complex Community directly for the exact boundaries and application steps.
Is my money safe at Complex Community?
Complex Community is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Complex Community's net worth ratio of 13.49% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.