Preheat the oven to 350°F. Line a 12-cup muffin pan with muffin liners.
Add peeled bananas to a large mixing bowl. Using a sturdy whisk or fork, mash bananas until smooth. Add the coconut oil, coconut sugar, flax egg, and vanilla. Whisk until well incorporated.
Add oat flour, almond flour, cocoa powder, baking powder, baking soda and salt. Whisk together until just incorporated, making sure no flour patches remain. Fold in chocolate chips, cranberries and almonds.
Using a large scoop, scoop and drop batter evenly into muffin cups.* If needed, smooth batter into an even layer, with a domed top (rise) in the center. Optionally, sprinkle toppings onto muffins.
Bake for 16-22 minutes. Mine took 19 minutes. Allow to cool on a cooling rack for about 1 hour. Lift out and enjoy! Storing instructions below.