COMPLEX COMMUNITY
Charter #12697 · ODESSA, TX · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.49% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.34% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.05% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 64.17% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 71st percentile but its structural peers at the 56th — a 16-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | COMPLEX COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $811.94M | 71th pct | 56th pct |
| Members | 44,122 | 58th pct | 43th pct |
| Net worth ratio | 13.49% | 85th pct | 79th pct |
| Return on average assets | 1.34% | 85th pct | 80th pct |
| Net interest margin | 3.68% | 66th pct | 59th pct |
| Cost of funds | 1.27% | 36th pct | 44th pct |
| Loan-to-share | 71.47% | 25th pct | 33th pct |
| Delinquency 60+ days | 0.56% | 47th pct | 49th pct |
| Net charge-off ratio | 1.05% | 89th pct | 79th pct |
| Loan growth YoY | -1.14% | 25th pct | 23th pct |
| Share growth YoY | 5.57% | 75th pct | 79th pct |
| Efficiency ratio | 64.17% | 13th pct | 7th pct |
structural peer set hash: 5262087c4657820302aa7700138f17eb… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.