Side-by-side · Q2 2026 data
Charter Bank vs Synergy Federal Credit Union
Metric by metric
| Measure | Charter Bank | Synergy Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 86 (stronger) |
| Capital cushion | 63 | 100 (stronger) |
| Loan quality | 7 | 90 (stronger) |
| Earnings | 100 (stronger) | 69 |
| Funding & liquidity | 69 (stronger) | 68 |
| Problem-loan coverage | 67 | 97 (stronger) |
| Peer percentile | 16th | 89th |
| Total assets | $292.3M | $334.2M |
| Deposits / shares | $265.2M | $281.8M |
| Capital ratio | 11.30% | 15.78% (stronger) |
| Problem loans | 2.78% | 0.29% (stronger) |
| Net charge-offs | 0.36% | 0.09% (stronger) |
| Return on assets | 2.29% (stronger) | 1.23% |
| Loans ÷ deposits | 61.9% (stronger) | 92.2% |
| Uninsured deposits | 41.0% | 7.0% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.5% |
Synergy Federal Credit Union has the higher TellerScore (86 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Charter Bank leads on 2 and Synergy Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.