Side-by-side · Q2 2026 data
Texas Champion Bank vs Synergy Federal Credit Union
Metric by metric
| Measure | Texas Champion Bank | Synergy Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 86 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 87 | 90 (stronger) |
| Earnings | 56 | 69 (stronger) |
| Funding & liquidity | 40 | 68 (stronger) |
| Problem-loan coverage | 86 | 97 (stronger) |
| Peer percentile | 26th | 89th |
| Total assets | $436.6M | $334.2M |
| Deposits / shares | $329.2M | $281.8M |
| Capital ratio | 10.48% | 15.78% (stronger) |
| Problem loans | 0.39% | 0.29% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.09% |
| Return on assets | 0.90% | 1.23% (stronger) |
| Loans ÷ deposits | 104.2% | 92.2% (stronger) |
| Uninsured deposits | 30.0% | 7.0% (stronger) |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.5% |
Synergy Federal Credit Union has the higher TellerScore (86 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Texas Champion Bank leads on 1 and Synergy Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.