Side-by-side · Q2 2026 data
The Moody National Bank vs Synergy Federal Credit Union
Metric by metric
| Measure | The Moody National Bank | Synergy Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 86 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 66 | 90 (stronger) |
| Earnings | 58 | 69 (stronger) |
| Funding & liquidity | 42 | 68 (stronger) |
| Problem-loan coverage | 88 | 97 (stronger) |
| Peer percentile | 70th | 89th |
| Total assets | $1.5B | $334.2M |
| Deposits / shares | $1.3B | $281.8M |
| Capital ratio | 15.87% (stronger) | 15.78% |
| Problem loans | 1.03% | 0.29% (stronger) |
| Net charge-offs | 0.10% | 0.09% (stronger) |
| Return on assets | 0.96% | 1.23% (stronger) |
| Loans ÷ deposits | 85.2% (stronger) | 92.2% |
| Uninsured deposits | 45.3% | 7.0% (stronger) |
| Offices | 14 | 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 73). On the 7 directional measures above (where higher or lower is clearly better), The Moody National Bank leads on 2 and Synergy Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.