Credit union · NCUA insured
Complex Community Federal Credit Union
Top CarrotA $811.9M credit union headquartered in Odessa, TX, with 44,122 members and 10 branches in Texas. Best rates: CDs 4.24% APY.
Complex Community Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 96% of U.S. banks and credit unions
#1 of 15 in Odessa, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Complex Community Federal Credit Union
Founded in 1958, Complex Community Federal Credit Union originated when team members pooled money to extend a modest-rate loan to an employee of El Paso Natural Gas Products Company Petrochemical Complex.
The credit union focuses on serving its community by assisting those in need across its service area.
- Headquarters
- 4519 E 51st St, Odessa, TX 79762
- NCUA charter
- 12697
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Ector, Midland, Howard, Winkler, Andrews, Martin, Gaines, Ward, Crane, Upton, Reeves, Pecos, Lubbock, Hockley, or Terry counties are eligible for membership.
Family and household
- A family member or roommate of an existing Complex Community Federal Credit Union member is eligible for membership.
Cost to join
- An account can be opened with a minimum initial deposit of $25.00.
Branches
10 branches in Texas
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Texas
10 branches
Odessa area · 3
- North Office4900 E 52nd St, Odessa, TX 79762Directions
- South Odessa2201 S Grandview Ave, Odessa, TX 79766Directions
- West Odessa2200 Linda Ave, Odessa, TX 79763Directions
Lubbock area · 2
- Lubbock Frankford6402 Frankford Ave, Lubbock, TX 79424Directions
- Lubbock University8603 University Ave, Lubbock, TX 79423Directions
Midland area · 2
- Central Midland3512 N Midkiff Rd, Midland, TX 79705Directions
- South Midland310 W Longview Ave, Midland, TX 79701Directions
Andrews area · 1
- Andrews1301 N Main St, Andrews, TX 79714Directions
Big Spring area · 1
- Big Spring503 E FM-700, Big Spring, TX 79720Directions
Monahans area · 1
- Monahans1117 S Stockton Ave, Monahans, TX 79756Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.79% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.59% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.49% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $71 | $76 | — |
- CapitalNet worth ratio13.79%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.59%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.49%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$71Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Complex Community Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.