Side-by-side · Q2 2026 data
Synchrony Bank vs Ally Bank
Metric by metric
| Measure | Synchrony Bank | Ally Bank |
|---|---|---|
| TellerScore | 68 (stronger) | 65 |
| Capital cushion | 76 (stronger) | 46 |
| Loan quality | 32 | 72 (stronger) |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 57 | 71 (stronger) |
| Problem-loan coverage | 84 | 87 (stronger) |
| Peer percentile | 90th | 81st |
| Total assets | $115.2B | $188.2B |
| Deposits / shares | $86.0B | $156.6B |
| Capital ratio | 12.56% (stronger) | 9.60% |
| Problem loans | 2.04% | 0.85% (stronger) |
| Net charge-offs | 5.39% | 1.15% (stronger) |
| Return on assets | 2.84% (stronger) | 1.20% |
| Loans ÷ deposits | 103.2% | 89.6% (stronger) |
| Uninsured deposits | 11.9% | 10.4% (stronger) |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | 38,382 | 15,221 |
| Complaints per $1B deposits | 446.5 | 97.2 (stronger) |
| Mortgage denial rate (HMDA) | — | — |
Synchrony Bank has the higher TellerScore (68 vs 65). On the 8 directional measures above (where higher or lower is clearly better), Synchrony Bank leads on 3 and Ally Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.