COMPLEX COMMUNITY

Charter #12697 | TX

750M-1B (112 CUs) Community (281 CUs)
12 750M-1B in TX

COMPLEX COMMUNITY has 8 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 4.8% in tier
  • + Organic Growth Leader: Top 17.6% in tier
  • + Relationship Depth Leader: Top 24.2% in tier
  • + Wallet Share Momentum: Top 26.5% in tier
  • + ROA 0.89% above tier average
  • + Net Interest Margin 0.39% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Fee Income Per Member: Top 5.4% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 12.8% in tier
  • - Liquidity Overhang: Bottom 19.6% in tier
  • - Growth-at-Risk: Bottom 22.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 43,943
+2.2% YoY+0.7% QoQ
 -8.2K 52,114
-2.1% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 31st in tier
Assets $774.4M
-2.5% YoY+0.6% QoQ
 $-84.6M $859.0M
+0.0% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 Bottom 14.3% in tier
Loans $509.3M
+1.8% YoY+0.7% QoQ
 $-94.1M $603.4M
+1.0% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Bottom 20.5% in tier
Deposits $667.2M
+8.0% YoY-0.2% QoQ
 $-67.0M $734.2M
+0.9% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Bottom 12.5% in tier
ROA 1.6%
+43.4% YoY-0.2% QoQ
 +0.9% 0.7%
+27.6% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Top 4.5% in tier
NIM 3.8%
+14.0% YoY+1.8% QoQ
 +0.4% 3.4%
+9.6% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 73rd in tier
Efficiency Ratio 62.5%
-2.6% YoY+1.3% QoQ
 -12.0% 74.5%
-3.2% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Bottom 15.2% in tier
Delinquency Rate 0.7%
+52.9% YoY+14.6% QoQ
 -0.1 0.8%
+5.0% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 52nd in tier
Loan To Share 76.3%
-5.7% YoY+1.0% QoQ
 -6.3% 82.7%
+0.1% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 27th in tier
AMR $26,773
+2.9% YoY-0.5% QoQ
 $-2K $28,651
+2.5% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 52nd in tier
CD Concentration 23.9%
+12.3% YoY+0.1% QoQ
 -0.5% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 48th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#88 of 603 • Top 4.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.24%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.60%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth
#233 of 430 • Top 17.6% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.24%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Relationship Depth Leader

growth
#668 of 1006 • Top 24.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.91%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.8K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#732 of 1006 • Top 26.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.91%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (3)

Credit Quality Pressure

risk
#318 of 736 • Bottom 12.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.24% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Liquidity Overhang

risk
#304 of 552 • Bottom 19.6% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.94%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 76.33%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Growth-at-Risk

risk
#333 of 446 • Bottom 22.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 1.83%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.24% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 112 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.60%
#1 of 112 Top 0.0% in 750M-1B tier
5
Return on Assets (ROA)
profitability
Value: 1.60%
Peer Avg: 0.71%
#5 of 112 Top 3.6% in 750M-1B tier
7
Fee Income Per Member
profitability
Value: $349.06
Peer Avg: $204.75
#7 of 112 Top 5.4% in 750M-1B tier
18
Efficiency Ratio
profitability
Value: 62.52%
Peer Avg: 74.52%
#18 of 112 Top 15.2% in 750M-1B tier
18
Net Worth Ratio
risk
Value: 13.94%
Peer Avg: 11.52%
#18 of 112 Top 15.2% in 750M-1B tier
25
Deposit Growth Rate
growth
Value: 7.96%
Peer Avg: 5.03%
#25 of 112 Top 21.4% in 750M-1B tier

Top Weaknesses (5 metrics)

101
Asset Growth Rate
growth
Value: -2.54%
Peer Avg: 4.25%
#101 of 112 Bottom 10.7% in 750M-1B tier
98
Total Deposits
balance_sheet
Value: $667.21M
Peer Avg: $734.17M
#98 of 112 Bottom 13.4% in 750M-1B tier
96
Total Assets
balance_sheet
Value: $774.37M
Peer Avg: $859.01M
#96 of 112 Bottom 15.2% in 750M-1B tier
89
Total Loans
balance_sheet
Value: $509.26M
Peer Avg: $603.36M
#89 of 112 Bottom 21.4% in 750M-1B tier
88
Members Per Employee (MPE)
engagement
Value: 278.120
Peer Avg: 361.634
#88 of 112 Bottom 22.3% in 750M-1B tier