Side-by-side · Q2 2026 data
Synergy Federal Credit Union vs Nce Credit Union
Metric by metric
| Measure | Synergy Federal Credit Union | Nce Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 85 |
| Capital cushion | 100 | 100 |
| Loan quality | 90 | 100 (stronger) |
| Earnings | 69 (stronger) | 26 |
| Funding & liquidity | 68 | 100 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 89th | 77th |
| Total assets | $334.2M | $5.9M |
| Deposits / shares | $281.8M | $4.7M |
| Capital ratio | 15.78% | 20.81% (stronger) |
| Problem loans | 0.29% | 0.00% (stronger) |
| Net charge-offs | 0.09% (stronger) | 1.33% |
| Return on assets | 1.23% (stronger) | 0.14% |
| Loans ÷ deposits | 92.2% | 52.0% (stronger) |
| Uninsured deposits | 7.0% | 6.6% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.5% | — |
Synergy Federal Credit Union has the higher TellerScore (86 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Synergy Federal Credit Union leads on 3 and Nce Credit Union on 4. 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.