Side-by-side · Q2 2026 data
Synergy Federal Credit Union vs Rally Credit Union
Metric by metric
| Measure | Synergy Federal Credit Union | Rally Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 90 |
| Loan quality | 90 (stronger) | 75 |
| Earnings | 69 (stronger) | 66 |
| Funding & liquidity | 68 (stronger) | 54 |
| Problem-loan coverage | 97 (stronger) | 89 |
| Peer percentile | 89th | 79th |
| Total assets | $334.2M | $4.8B |
| Deposits / shares | $281.8M | $4.0B |
| Capital ratio | 15.78% (stronger) | 14.02% |
| Problem loans | 0.29% (stronger) | 0.75% |
| Net charge-offs | 0.09% (stronger) | 1.01% |
| Return on assets | 1.23% (stronger) | 1.16% |
| Loans ÷ deposits | 92.2% (stronger) | 105.0% |
| Uninsured deposits | 7.0% (stronger) | 15.7% |
| Offices | 5 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.5% | 49.8% |
Synergy Federal Credit Union has the higher TellerScore (86 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Synergy Federal Credit Union leads on 7 and Rally Credit Union on 0. 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.