Side-by-side · Q2 2026 data
Synergy Federal Credit Union vs Gulf Credit Union
Metric by metric
| Measure | Synergy Federal Credit Union | Gulf Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 50 |
| Loan quality | 90 (stronger) | 85 |
| Earnings | 69 (stronger) | 41 |
| Funding & liquidity | 68 | 94 (stronger) |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 89th | 45th |
| Total assets | $334.2M | $348.6M |
| Deposits / shares | $281.8M | $313.7M |
| Capital ratio | 15.78% (stronger) | 9.98% |
| Problem loans | 0.29% (stronger) | 0.45% |
| Net charge-offs | 0.09% (stronger) | 0.73% |
| Return on assets | 1.23% (stronger) | 0.53% |
| Loans ÷ deposits | 92.2% | 65.9% (stronger) |
| Uninsured deposits | 7.0% | 4.8% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.5% | 15.5% |
Synergy Federal Credit Union has the higher TellerScore (86 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Synergy Federal Credit Union leads on 5 and Gulf Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.