Side-by-side · Q2 2026 data
Synergy Federal Credit Union vs Union Pacific Employees Credit Union
Credit union
Union Pacific Employees Credit Union
Beaumont, Texas · Under $100 million in assets
Metric by metric
| Measure | Synergy Federal Credit Union | Union Pacific Employees Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 59 |
| Capital cushion | 100 | 100 |
| Loan quality | 90 (stronger) | 33 |
| Earnings | 69 (stronger) | 2 |
| Funding & liquidity | 68 | 74 (stronger) |
| Problem-loan coverage | 97 (stronger) | 89 |
| Peer percentile | 89th | 20th |
| Total assets | $334.2M | $3.8M |
| Deposits / shares | $281.8M | $2.9M |
| Capital ratio | 15.78% | 23.66% (stronger) |
| Problem loans | 0.29% (stronger) | 2.02% |
| Net charge-offs | 0.09% | 0.02% (stronger) |
| Return on assets | 1.23% (stronger) | -0.44% |
| Loans ÷ deposits | 92.2% | 86.6% (stronger) |
| Uninsured deposits | 7.0% | 0.0% (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 59). On the 7 directional measures above (where higher or lower is clearly better), Synergy Federal Credit Union leads on 3 and Union Pacific Employees 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.