Side-by-side · Q2 2026 data
Neches Federal Credit Union vs Synergy Federal Credit Union
Metric by metric
| Measure | Neches Federal Credit Union | Synergy Federal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 86 |
| Capital cushion | 97 | 100 (stronger) |
| Loan quality | 93 (stronger) | 90 |
| Earnings | 100 (stronger) | 69 |
| Funding & liquidity | 72 (stronger) | 68 |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 99th | 89th |
| Total assets | $1.2B | $334.2M |
| Deposits / shares | $1.0B | $281.8M |
| Capital ratio | 14.66% | 15.78% (stronger) |
| Problem loans | 0.20% (stronger) | 0.29% |
| Net charge-offs | 0.47% | 0.09% (stronger) |
| Return on assets | 2.14% (stronger) | 1.23% |
| Loans ÷ deposits | 88.0% (stronger) | 92.2% |
| Uninsured deposits | 10.7% | 7.0% (stronger) |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.2% | 6.5% |
Neches Federal Credit Union has the higher TellerScore (93 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Neches Federal Credit Union leads on 4 and Synergy Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.