Side-by-side · Q2 2026 data
Synergy Federal Credit Union vs Baptist Credit Union
Metric by metric
| Measure | Synergy Federal Credit Union | Baptist Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 37 |
| Loan quality | 90 | 95 (stronger) |
| Earnings | 69 (stronger) | 31 |
| Funding & liquidity | 68 | 79 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 89th | 26th |
| Total assets | $334.2M | $54.7M |
| Deposits / shares | $281.8M | $49.7M |
| Capital ratio | 15.78% (stronger) | 8.72% |
| Problem loans | 0.29% | 0.15% (stronger) |
| Net charge-offs | 0.09% (stronger) | 0.24% |
| Return on assets | 1.23% (stronger) | 0.28% |
| Loans ÷ deposits | 92.2% | 81.7% (stronger) |
| Uninsured deposits | 7.0% | 0.0% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.5% | — |
Synergy Federal Credit Union has the higher TellerScore (86 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Synergy Federal Credit Union leads on 4 and Baptist Credit Union on 3. 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.