Side-by-side · Q2 2026 data
Frost Bank vs Synergy Federal Credit Union
Metric by metric
| Measure | Frost Bank | Synergy Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 86 (stronger) |
| Capital cushion | 41 | 100 (stronger) |
| Loan quality | 82 | 90 (stronger) |
| Earnings | 73 (stronger) | 69 |
| Funding & liquidity | 59 | 68 (stronger) |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 58th | 89th |
| Total assets | $54.0B | $334.2M |
| Deposits / shares | $43.7B | $281.8M |
| Capital ratio | 9.08% | 15.78% (stronger) |
| Problem loans | 0.55% | 0.29% (stronger) |
| Net charge-offs | 0.14% | 0.09% (stronger) |
| Return on assets | 1.31% (stronger) | 1.23% |
| Loans ÷ deposits | 52.0% (stronger) | 92.2% |
| Uninsured deposits | 52.2% | 7.0% (stronger) |
| Offices | 211 | 5 |
| CFPB complaints (3 yrs) | 323 | — |
| Complaints per $1B deposits | 7.4 | — |
| Mortgage denial rate (HMDA) | 43.5% | 6.5% |
Synergy Federal Credit Union has the higher TellerScore (86 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Frost Bank 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.