Side-by-side · Q2 2026 data
Chocolate Bayou Community Federal Credit Union vs Synergy Federal Credit Union
Credit union
Chocolate Bayou Community Federal Credit Union
Alvin, Texas · $100 million – $1 billion
Metric by metric
| Measure | Chocolate Bayou Community Federal Credit Union | Synergy Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 86 (stronger) |
| Capital cushion | 79 | 100 (stronger) |
| Loan quality | 74 | 90 (stronger) |
| Earnings | 53 | 69 (stronger) |
| Funding & liquidity | 100 (stronger) | 68 |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 71st | 89th |
| Total assets | $158.1M | $334.2M |
| Deposits / shares | $136.7M | $281.8M |
| Capital ratio | 12.87% | 15.78% (stronger) |
| Problem loans | 0.77% | 0.29% (stronger) |
| Net charge-offs | 0.29% | 0.09% (stronger) |
| Return on assets | 0.82% | 1.23% (stronger) |
| Loans ÷ deposits | 57.0% (stronger) | 92.2% |
| Uninsured deposits | 6.2% (stronger) | 7.0% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 54.4% | 6.5% |
Synergy Federal Credit Union has the higher TellerScore (86 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Chocolate Bayou Community Federal Credit Union leads on 2 and Synergy Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.