Side-by-side · Q2 2026 data
HomeTown Bank, National Association vs Synergy Federal Credit Union
Metric by metric
| Measure | HomeTown Bank, National Association | Synergy Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 86 (stronger) |
| Capital cushion | 63 | 100 (stronger) |
| Loan quality | 99 (stronger) | 90 |
| Earnings | 63 | 69 (stronger) |
| Funding & liquidity | 57 | 68 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 61st | 89th |
| Total assets | $990.4M | $334.2M |
| Deposits / shares | $891.1M | $281.8M |
| Capital ratio | 11.33% | 15.78% (stronger) |
| Problem loans | 0.04% (stronger) | 0.29% |
| Net charge-offs | 0.01% (stronger) | 0.09% |
| Return on assets | 1.07% | 1.23% (stronger) |
| Loans ÷ deposits | 77.5% (stronger) | 92.2% |
| Uninsured deposits | 38.1% | 7.0% (stronger) |
| Offices | 7 | 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 75). On the 7 directional measures above (where higher or lower is clearly better), HomeTown Bank, National Association leads on 3 and Synergy Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.