Side-by-side · Q2 2026 data
Generations Community Federal Credit Union vs Synergy Federal Credit Union
Credit union
Generations Community Federal Credit Union
San Antonio, Texas · $100 million – $1 billion
Metric by metric
| Measure | Generations Community Federal Credit Union | Synergy Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 86 (stronger) |
| Capital cushion | 43 | 100 (stronger) |
| Loan quality | 71 | 90 (stronger) |
| Earnings | 35 | 69 (stronger) |
| Funding & liquidity | 75 (stronger) | 68 |
| Problem-loan coverage | 85 | 97 (stronger) |
| Peer percentile | 14th | 89th |
| Total assets | $734.6M | $334.2M |
| Deposits / shares | $617.1M | $281.8M |
| Capital ratio | 9.30% | 15.78% (stronger) |
| Problem loans | 0.88% | 0.29% (stronger) |
| Net charge-offs | 0.41% | 0.09% (stronger) |
| Return on assets | 0.38% | 1.23% (stronger) |
| Loans ÷ deposits | 85.6% (stronger) | 92.2% |
| Uninsured deposits | 7.7% | 7.0% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.1% | 6.5% |
Synergy Federal Credit Union has the higher TellerScore (86 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Generations Community Federal Credit Union leads on 1 and Synergy Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.