# COMPLEX COMMUNITY
ODESSA, TX · NCUA charter 12697 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/complex-community-12697

Who the members are: federal charter, community charter, organized 1958. 44,122 members of 60,000 potential (73.5% of the field); checking penetration 75% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *fortress*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $811.9M |
| Members | 44,122 (1.4% YoY) |
| Full-time staff | 149 |
| Net worth | $109.6M |
| Net worth ratio | 13.5% (p86 of band) |
| ROA (annualized) | 1.32% (p85 of band) |
| Total delinquency | 0.56% (p47 of band) |
| Net charge-offs (annualized) | 1.05% (p89 of band) |
| Loans / shares | 71% (p25 of band) |
| Cash / assets | 16.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.62% (p64 of band) |
| Operating expense / assets | 3.60% (p52 of band) |
| Vehicles % of loans | 51% (p90 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p7 of band) |
| Vehicle delinquency | 0.58% (p50 of band) |
| Vehicle NCO | 1.53% (p76 of band) |
| Repossessed % of vehicle book | 0.02% (p42 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 26% |
| Average share balance | $8,130 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $20,937 |
| Loans granted, annualized | $206.0M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | charge-offs p90 |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | charge-offs p90 |
| 2017-03 | 1 | members leaving |  |
| 2017-06 | 0 |  | members leaving |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | delinquency rising |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | delinquency rising |
| 2021-03 | 1 | margin squeeze |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | net worth falling |  |
| 2022-03 | 0 |  | margin squeeze, net worth falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | delinquency rising |  |
| 2023-09 | 2 | leaning on borrowings |  |
| 2023-12 | 3 | net worth falling |  |
| 2024-03 | 2 |  | net worth falling |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 2 | net worth falling |  |
| 2025-03 | 0 |  | leaning on borrowings, net worth falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 1 | assets shrinking | delinquency rising |
| 2026-03 | 1 | net worth falling | assets shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-10-20 [For 64 years Complex Community Federal Credit Union has been preforming “Intentional Acts of Kindness” - CBS7](https://news.google.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?oc=5) · CBS7
- 2025-04-02 [Complex Community Federal Credit Union to host free shred days across all branches - oaoa.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNSjBUOUxqdmxjVWpxZDBWZndsdGFzUUtMYXp6a0RrYmVPR0x6UlNUSGtMOXhMREFfOG43c1l2cVYzcW92b1BQWFpFUXQ3b3BXSG9LcEVfMUZDYnZOVHhicEdnNnFQb3FiZ1lKbXE2YWlCYXMxR2dpQjJwQmFOVFA4WlYyZkxvVUthZjlTT2VHd29wME0zOFVLSWE5U3VERDlxN0VZdTVlTEdVRFgxbDVaWnhCQ3hqcFNvUXZYdjZndUw?oc=5) · oaoa.com
- 2018-10-17 [Federal Credit Union gives back to community - newswest9.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQdHdkcGJWcU9BR3R2RnM1TE4zRlFZeHB2SDRhSFlqbWp1M0lBLVJjWWNSVUViVS1ObXB0Y1dLcy1aOWVvaUlhSTJTbnJ0T0FqN1RkeEhQSHdQTk9sWTZzd2NUci1Pd3AxRVhUNzMxMHBZcHA3VjZfYkFWclNUYVZJTFRmalpsSUhQLTZwQ0IxbTNlTlBHNEJNdVF6aUpBRW1paDBpNG0xbktSb20wbk5uZU9OLUxBTUNibnZkNVNUVEFLQQ?oc=5) · newswest9.com
- 2025-12-21 [Richard Dale Cole Obituary Dec 21, 2025 - Sunset Memorial Gardens & Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1Ha0xHdGxmM1ItNFlaVzNPdzRZWFVGVHF1S2pOUFlHYVo5enZnYUJnWGlFeGdZS09Vc2hNSzRMcGRObmxzS3hNZ0FnbjVlMlh6TG5qQlNtczlkU2FDczhVMGtn?oc=5) · Sunset Memorial Gardens & Funeral Home
- 2024-01-15 [Complex Community Federal Credit Union expands Lubbock presence with grand opening of second location - oaoa.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxQV0FmelRDUHBneXBUTXp6RG9YdFhray1SVlF6c1pMRGQ0S3c3NTR1Wk5QNDZWOV9jWWRzY0RDOFFJdjdKYW02cnJlcHhIbkUweEc0eld2VHZYNGR5SFNQUGFwQmsyWWt0bERxS0F1VkRWMVU1cm1CU20tUmZrSE8xUm9yUlZNOGtZT0wzT0VQellMaXg3UGU5My1QSUVtM3ZVLXBad0V4NUJiMzBUZUlHMGphRmpPakhQZVpMaXlWTHFFcVMwbDV3SUlKTVJLd0k?oc=5) · oaoa.com
- 2019-03-04 [Complex Community Credit Union hosts poverty simulator - newswest9.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxNRUx3am9reUJzWGlFcnp0M292VDQ3RlNYM0luajNzU09HZE1xNXBmUTQtRDVwOVJvblJnTEdLeEJ1NmJjdGtSc0Y0QXFjQkRsMG0zMHpjQ3Z0bFV3a2NiSjhkMTlQUi1BSXNGOUJqR2NPdHlGVmxDWUcyTHV4alNhUGtUZnNVRmhKSy03aWNOUWpoNERJc3ZuMDRnYU5aVHZrMzdhQkZ1WHl1cWxYR1N5QW1jNnhoamFYcV91QjhjVlJYeE9FMTl2d1dyNkZDVGM?oc=5) · newswest9.com
- 2018-07-21 [Final Person Sentenced For Odessa Credit Union ATM Theft - newswest9.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOZU9ncXhBMGVpaHdUMkZ0REtzbDFzam93WmlZV1FVbWJRallybXJ2U19UbEpHRlg5bHJvQXBjLWVVczRFZnh0c2NreW9nc0tUVzZqdl9JdTJpb1p3WEc2ekszcFhPT2Y4WnFpZzk4RHRnNXlnbU15U1E1LUc5aUJ5TkJnWVBRZl9DZTg0NFZrSjBDY1o0S2libDI5S1FSdC1HazlTSzB6VGdqUUF5UVRUZUtFWGkwNi0wNWUxYVRpREdCUnI2RWxYTkI0bUhFX1R6T0E?oc=5) · newswest9.com
- 2022-11-03 [GOOD NEWS: Back the Blue - oaoa.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOMVBhbGExbFhNTmJjRVVWVWxpZmZHaU1lWGk3VU1sTFpYSXJucmhNUlY2eDFBLUpQVmRGREx6RlVmM2FKeEpFLTU3QVRwc2lmOU43VUVGVHJWbVZkdlUwaUE2V0tOanl6VHJ2SFk4Rkl0dlVWNzZpYWY4UW9hSE0wQXRPSmk?oc=5) · oaoa.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12697 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/25.json (key "12697", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=12697
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide