Side-by-side · Q2 2026 data
Synergy Federal Credit Union vs McT Credit Union
Metric by metric
| Measure | Synergy Federal Credit Union | McT Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 69 |
| Capital cushion | 100 (stronger) | 51 |
| Loan quality | 90 | 90 |
| Earnings | 69 (stronger) | 39 |
| Funding & liquidity | 68 | 90 (stronger) |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 89th | 48th |
| Total assets | $334.2M | $415.2M |
| Deposits / shares | $281.8M | $363.0M |
| Capital ratio | 15.78% (stronger) | 10.10% |
| Problem loans | 0.29% (stronger) | 0.29% |
| Net charge-offs | 0.09% (stronger) | 0.12% |
| Return on assets | 1.23% (stronger) | 0.49% |
| Loans ÷ deposits | 92.2% | 70.2% (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% | 14.4% |
Synergy Federal Credit Union has the higher TellerScore (86 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Synergy Federal Credit Union leads on 5 and McT Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.