Side-by-side · Q2 2026 data
H E B Federal Credit Union vs Synergy Federal Credit Union
Metric by metric
| Measure | H E B Federal Credit Union | Synergy Federal Credit Union |
|---|---|---|
| TellerScore | 86 | 86 |
| Capital cushion | 100 | 100 |
| Loan quality | 94 (stronger) | 90 |
| Earnings | 58 | 69 (stronger) |
| Funding & liquidity | 72 (stronger) | 68 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 89th | 89th |
| Total assets | $218.2M | $334.2M |
| Deposits / shares | $172.6M | $281.8M |
| Capital ratio | 18.31% (stronger) | 15.78% |
| Problem loans | 0.19% (stronger) | 0.29% |
| Net charge-offs | 0.13% | 0.09% (stronger) |
| Return on assets | 0.95% | 1.23% (stronger) |
| Loans ÷ deposits | 88.1% (stronger) | 92.2% |
| Uninsured deposits | 3.7% (stronger) | 7.0% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.5% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), H E B Federal Credit Union leads on 4 and Synergy Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.