Side-by-side · Q2 2026 data
First State Bank of Texas vs Synergy Federal Credit Union
Metric by metric
| Measure | First State Bank of Texas | Synergy Federal Credit Union |
|---|---|---|
| TellerScore | 39 | 86 (stronger) |
| Capital cushion | 42 | 100 (stronger) |
| Loan quality | 5 | 90 (stronger) |
| Earnings | 43 | 69 (stronger) |
| Funding & liquidity | 67 | 68 (stronger) |
| Problem-loan coverage | 61 | 97 (stronger) |
| Peer percentile | 2nd | 89th |
| Total assets | $353.6M | $334.2M |
| Deposits / shares | $316.3M | $281.8M |
| Capital ratio | 9.20% | 15.78% (stronger) |
| Problem loans | 2.85% | 0.29% (stronger) |
| Net charge-offs | 1.50% | 0.09% (stronger) |
| Return on assets | 0.57% | 1.23% (stronger) |
| Loans ÷ deposits | 81.1% (stronger) | 92.2% |
| Uninsured deposits | 26.0% | 7.0% (stronger) |
| Offices | 6 | 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 39). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Texas leads on 1 and Synergy Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.