Side-by-side · Q2 2026 data
Synergy Federal Credit Union vs Members First Credit Union
Metric by metric
| Measure | Synergy Federal Credit Union | Members First Credit Union |
|---|---|---|
| TellerScore | 86 | 87 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 90 (stronger) | 65 |
| Earnings | 69 | 80 (stronger) |
| Funding & liquidity | 68 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 89th | 91st |
| Total assets | $334.2M | $183.2M |
| Deposits / shares | $281.8M | $137.2M |
| Capital ratio | 15.78% | 24.01% (stronger) |
| Problem loans | 0.29% (stronger) | 1.04% |
| Net charge-offs | 0.09% (stronger) | 0.56% |
| Return on assets | 1.23% | 1.50% (stronger) |
| Loans ÷ deposits | 92.2% | 49.7% (stronger) |
| Uninsured deposits | 7.0% (stronger) | 10.0% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.5% | — |
Members First Credit Union has the higher TellerScore (87 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Synergy Federal Credit Union leads on 3 and Members First Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.