Charter 12697 · Odessa, TX
Complex Community Federal Credit Union
Complex Community Federal Credit Union is a federally chartered credit union in Odessa, Texas, with $818 million in assets and 44,307 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 13.79%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $818 million
- +6.3% in a year
- Members
- 44,307
- +1.5% in a year
- Net worth ratio
- 13.79%
- Peer median 10.79%
- Loans 60+ days late
- 0.59%
- Peer median 0.67%
- Loans outstanding
- $501 million
- -0.8% in a year
- Shares and deposits
- $709 million
- +6.0% in a year
- Branches
- 10
- 155 employees
- Opened
- 1958
- Federal charter
How Complex Community Federal Credit Union compares
NCUA groups credit unions by size; Complex Community Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 13.79% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.59%, is lower than the group median of 0.67%. Loans fell 0.8% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 46 of 380 credit unions headquartered in Texas. See all Texas credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $818 million | 44,307 | $501 million | 13.79% | 0.59% |
| Q1 2026 | $812 million | 44,122 | $503 million | 13.49% | 0.56% |
| Q4 2025 | $784 million | 43,835 | $500 million | 13.64% | 0.68% |
| Q3 2025 | $774 million | 43,943 | $509 million | 13.94% | 0.69% |
| Q2 2025 | $770 million | 43,659 | $506 million | 13.62% | 0.60% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 60,000 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 11 sites for Complex Community Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- OPERATIONS & TRAINING CENTER (main office)
4519 E 51St St, Odessa, TX 79762 - NORTH OFFICE
4900 E 52Nd St, Odessa, TX 79762 - SOUTH ODESSA
2201 S Grandview Ave, Odessa, TX 79766 - WEST ODESSA
2200 Linda Ave, Odessa, TX 79763 - CENTRAL MIDLAND
3512 N Midkiff Rd, Midland, TX 79705 - SOUTH MIDLAND
310 W Longview Ave, Midland, TX 79701 - MONAHANS
1117 S Stockton Ave, Monahans, TX 79756 - ANDREWS
1301 N Main St, Andrews, TX 79714 - BIG SPRING
503 E Fm 700, Big Spring, TX 79720 - LUBBOCK FRANKFORD
6402 Frankford Ave, Lubbock, TX 79424 - LUBBOCK UNIVERSITY
8603 University Ave, Lubbock, TX 79423
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology