Side-by-side · Q2 2026 data
City Public Service/Ibew Federal Credit Union vs Synergy Federal Credit Union
Credit union
City Public Service/Ibew Federal Credit Union
San Antonio, Texas · Under $100 million in assets
Metric by metric
| Measure | City Public Service/Ibew Federal Credit Union | Synergy Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 86 (stronger) |
| Capital cushion | 99 | 100 (stronger) |
| Loan quality | 61 | 90 (stronger) |
| Earnings | 58 | 69 (stronger) |
| Funding & liquidity | 100 (stronger) | 68 |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 68th | 89th |
| Total assets | $56.3M | $334.2M |
| Deposits / shares | $48.7M | $281.8M |
| Capital ratio | 14.86% | 15.78% (stronger) |
| Problem loans | 1.18% | 0.29% (stronger) |
| Net charge-offs | 0.38% | 0.09% (stronger) |
| Return on assets | 0.96% | 1.23% (stronger) |
| Loans ÷ deposits | 42.3% (stronger) | 92.2% |
| Uninsured deposits | 2.5% (stronger) | 7.0% |
| Offices | 1 | 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 81). On the 7 directional measures above (where higher or lower is clearly better), City Public Service/Ibew Federal Credit Union leads on 2 and Synergy Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.