Side-by-side · Q2 2026 data
Gulf Shore Federal Credit Union vs Synergy Federal Credit Union
Metric by metric
| Measure | Gulf Shore Federal Credit Union | Synergy Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 86 (stronger) |
| Capital cushion | 84 | 100 (stronger) |
| Loan quality | 26 | 90 (stronger) |
| Earnings | 36 | 69 (stronger) |
| Funding & liquidity | 100 (stronger) | 68 |
| Problem-loan coverage | 86 | 97 (stronger) |
| Peer percentile | 26th | 89th |
| Total assets | $28.5M | $334.2M |
| Deposits / shares | $24.4M | $281.8M |
| Capital ratio | 13.38% | 15.78% (stronger) |
| Problem loans | 2.21% | 0.29% (stronger) |
| Net charge-offs | -0.33% (stronger) | 0.09% |
| Return on assets | 0.40% | 1.23% (stronger) |
| Loans ÷ deposits | 49.8% (stronger) | 92.2% |
| Uninsured deposits | 6.9% (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 63). On the 7 directional measures above (where higher or lower is clearly better), Gulf Shore Federal Credit Union leads on 3 and Synergy Federal Credit Union on 4. 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.