Side-by-side · Q2 2026 data
Synergy Bank vs Morgan City Federal Credit Union
Credit union
Morgan City Federal Credit Union
Morgan City, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Synergy Bank | Morgan City Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 84 (stronger) |
| Capital cushion | 63 | 100 (stronger) |
| Loan quality | 31 | 100 (stronger) |
| Earnings | 84 (stronger) | 32 |
| Funding & liquidity | 66 | 86 (stronger) |
| Problem-loan coverage | 80 | 100 (stronger) |
| Peer percentile | 24th | 75th |
| Total assets | $1.3B | $4.8M |
| Deposits / shares | $1.1B | $4.0M |
| Capital ratio | 11.26% | 16.68% (stronger) |
| Problem loans | 2.07% | 0.00% (stronger) |
| Net charge-offs | 0.19% (stronger) | 0.47% |
| Return on assets | 1.60% (stronger) | 0.29% |
| Loans ÷ deposits | 78.5% | 74.1% (stronger) |
| Uninsured deposits | 29.0% | 0.0% (stronger) |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.1% | — |
Morgan City Federal Credit Union has the higher TellerScore (84 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Synergy Bank leads on 2 and Morgan City Federal Credit Union on 5. 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.