Credit union
Complex Community Federal Credit Union
Odessa, Texas, Ector County, TX
$818M in total assets and 44,307 members, the 554th largest of 4,298 US credit unions and 46th of 376 headquartered in Texas.
- NCUA charter
- 12697
- Charter
- Federal
- Chartered
- 1958
- NCUA insured since
- 1971
- Field of membership
- Community - Rural District
- Website
- http://www.comcfcu.com/
At a glance
Compared with 99 federally insured credit unions in Texas with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $818M | 93% | $235M | |
| Loans | $501M | 89% | $158M | |
| Deposits (shares) | $709M | 94% | $206M | |
| Members | 44,307 | 86% | 17,573 | |
| Return on assets | 1.49% | 86% | 0.79% | |
| Net interest income to assets | 3.73% | 54% | 3.65% | |
| Efficiency ratio | 64.1% | 21% | 77.9% | |
| Net worth ratio | 13.79% | 77% | 11.66% | |
| Loans to shares | 71% | 42% | 73% | |
| Cost of deposits | 1.33% | 48% | 1.37% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 6.3% a year over 10 years and 6.2% a year over the last 5, including 1 merger in the last 10 years. Membership grew 2.1% a year over 5 years, to 44,307.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Oct 2016 | Howard County Employees Federal Credit Union Credit union, Big Spring, TX | $2M |
| Nov 2013 | Big Spring Community Federal Credit Union Credit union, Big Spring, TX | $19M |
| Jul 2011 | Benchmark Credit Union Credit union, Midland, TX | $16M |
Where they operate
11 branches in 6 counties.
1 of 11 branch locations are approximate (ZIP code centers).
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Ector County, TX | 4 | 7.0% | 1 of 26 |
| Lubbock County, TX | 2 | 1.5% | 17 of 36 |
| Midland County, TX | 2 | 3.3% | 9 of 28 |
| Andrews County, TX | 1 | 12.5% | 2 of 5 |
| Howard County, TX | 1 | 7.7% | 2 of 12 |
| Ward County, TX | 1 | 16.7% | 2 of 5 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 9 | |
| 2017 | 9 | 0 |
| 2018 | 9 | 0 |
| 2019 | 9 | 0 |
| 2020 | 9 | 0 |
| 2021 | 10 | +1 |
| 2022 | 10 | 0 |
| 2023 | 11 | +1 |
| 2024 | 11 | 0 |
| 2025 | 11 | 0 |
| Jun 2026 | 11 | 0 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 0.59% | 0.61% |
| Net worth ratio | 13.79% | 11.66% |
| Loans to shares | 71% | 73% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Texas
Most branches in Ector County, TX
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.