Side-by-side · Q2 2026 data
Synergy Federal Credit Union vs Credit Human Federal Credit Union
Credit union
Credit Human Federal Credit Union
San Antonio, Texas · $1 billion – $10 billion
Metric by metric
| Measure | Synergy Federal Credit Union | Credit Human Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 43 |
| Capital cushion | 100 (stronger) | 23 |
| Loan quality | 90 (stronger) | 64 |
| Earnings | 69 (stronger) | 24 |
| Funding & liquidity | 68 (stronger) | 52 |
| Problem-loan coverage | 97 (stronger) | 71 |
| Peer percentile | 89th | 2nd |
| Total assets | $334.2M | $4.3B |
| Deposits / shares | $281.8M | $3.6B |
| Capital ratio | 15.78% (stronger) | 7.35% |
| Problem loans | 0.29% (stronger) | 1.09% |
| Net charge-offs | 0.09% (stronger) | 0.70% |
| Return on assets | 1.23% (stronger) | 0.11% |
| Loans ÷ deposits | 92.2% (stronger) | 108.0% |
| Uninsured deposits | 7.0% | 6.6% (stronger) |
| Offices | 5 | 25 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.5% | 74.7% |
Synergy Federal Credit Union has the higher TellerScore (86 vs 43). On the 7 directional measures above (where higher or lower is clearly better), Synergy Federal Credit Union leads on 6 and Credit Human Federal Credit Union on 1. 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.