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5-Star Awards

Bauer Financial has given a 5-star rating to Synergy FCU for 54 consecutive quarters. That is 13. 5 years! The 5-star rating is the Superior and top ranking position for the credit union to be in.  

In addition to the capital ratio, other criteria are used to determine the BauerFinancial™ Star-Rating. Some of these include but are not limited to: profitability/loss trend, evaluating the level of delinquent loans, charge offs and repossessed assets, the market versus book value of the investment portfolio, regulatory supervisory agreements, the community reinvestment rating (CRA), historical data and liquidity.

Find all of the Bauer Financial ratings here.

From the NAFCU (National Association of Federal Credit Unions)

As not-for-profit financial cooperatives, credit unions first priority is the people we serve. Recent bank failures have no connection to credit unions, but do emphasize how the credit union difference makes a clear difference for consumers. 

  • Credit union deposits are insured, safe and secure.
  • Credit union members have never lost a penny of insured savings at an insured credit union.
  • Learn more about the credit union difference at 
  • Visit for more information about the National Credit Union Share Insurance Fund coverage for consumers.

From the NCUA (National Credit Union Administraion)

(March 13, 2023) – The credit union system remains well-capitalized and on a solid footing. The National Credit Union Administration continues to monitor credit union performance through both the examination process and offsite monitoring, and it will continue to do so into the future.

Credit unions have access to a wide range of liquidity sources. The NCUA, along with its Central Liquidity Facility, is able to provide a back-up source of liquidity to member credit unions as needed.

The agency continues to coordinate with the other federal financial institution regulators to ensure the continued resiliency of the American financial services system.

As always, the NCUA is committed to the protection of credit union members and the safety and soundness of the credit union system overall. No one has ever lost a single penny of insured share deposits within the credit union system.