Side-by-side · Q2 2026 data
Synergy Federal Credit Union vs Education First Federal Credit Union
Metric by metric
| Measure | Synergy Federal Credit Union | Education First Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 41 |
| Loan quality | 90 (stronger) | 79 |
| Earnings | 69 (stronger) | 49 |
| Funding & liquidity | 68 | 91 (stronger) |
| Problem-loan coverage | 97 (stronger) | 91 |
| Peer percentile | 89th | 34th |
| Total assets | $334.2M | $583.1M |
| Deposits / shares | $281.8M | $532.6M |
| Capital ratio | 15.78% (stronger) | 9.11% |
| Problem loans | 0.29% (stronger) | 0.62% |
| Net charge-offs | 0.09% (stronger) | 1.04% |
| Return on assets | 1.23% (stronger) | 0.72% |
| Loans ÷ deposits | 92.2% | 68.9% (stronger) |
| Uninsured deposits | 7.0% | 6.7% (stronger) |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.5% | — |
Synergy Federal Credit Union has the higher TellerScore (86 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Synergy Federal Credit Union leads on 5 and Education First Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.