Side-by-side · Q2 2026 data
First Community Bank vs Synergy Federal Credit Union
Metric by metric
| Measure | First Community Bank | Synergy Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 86 (stronger) |
| Capital cushion | 74 | 100 (stronger) |
| Loan quality | 78 | 90 (stronger) |
| Earnings | 68 | 69 (stronger) |
| Funding & liquidity | 64 | 68 (stronger) |
| Problem-loan coverage | 92 | 97 (stronger) |
| Peer percentile | 57th | 89th |
| Total assets | $662.8M | $334.2M |
| Deposits / shares | $582.2M | $281.8M |
| Capital ratio | 12.44% | 15.78% (stronger) |
| Problem loans | 0.67% | 0.29% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.09% |
| Return on assets | 1.20% | 1.23% (stronger) |
| Loans ÷ deposits | 76.9% (stronger) | 92.2% |
| Uninsured deposits | 32.5% | 7.0% (stronger) |
| Offices | 12 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.2% | 6.5% |
Synergy Federal Credit Union has the higher TellerScore (86 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First Community 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.