Synergy Federal Credit Union San Antonio, Texas
Synergy Federal Credit Union is a federal credit union headquartered in San Antonio, TX, established in 1980 (NCUA charter 23605), and it is regulated and insured by the NCUA. At Q2 2026 it reported 12,242 members and total assets of $334.2M (up 6.5% from Q2 2025), the 80th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 15.78% at Q2 2026, in the well capitalized band.
Also written as Synergy FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 23605
- Headquarters
- San Antonio, TX
- Established
- 1980
- Total assets, Q2 2026
- $334.2M
- Assets vs Q2 2025
- +6.5%
- Members, Q2 2026
- 12,242
- Net worth ratio, Q2 2026
- 15.78%
- Latest call report
- Q2 2026, NCUA 5300 · Synergy Federal Credit Union call report
- Asset rank in state
- 80th of 377 in Texas
- Routing number
- 314092128
- Branches
- 7
It has 148 more members than on June 30, 2025 (+1.2%). Its net worth ratio was up 0.11 percentage points from 15.67% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $129.0M of $259.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.29% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 15.78% net worth ratio is above that band's 11.43% median.
Frequently asked about Synergy Federal Credit Union
How big is Synergy Federal Credit Union?
At Q2 2026 it reported total assets of $334.2M and 12,242 members.
Where is Synergy Federal Credit Union headquartered?
It is headquartered in San Antonio, TX, United States.
When was Synergy Federal Credit Union founded?
It was established in 1980, per NCUA records.
Is Synergy Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 23605): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Synergy Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Synergy Federal Credit Union well capitalized?
Its net worth ratio was 15.78% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Synergy Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.29% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Synergy Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 92.17% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- San Antonio, TX 78249
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1980
- NCUA Charter #
- 23605
- RSSD ID
- 423289
- Members
- 12,242
- Potential members
- 1,758,320
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 15.78% | 11.43% | 88th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.53% | 0.81% | 85th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 9.68% | 7.02% | 74th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 2.99% | 3.70% | 13th bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 54.35% | 76.55% | over 90th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.66% | 1.24% | 21st bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.29% | 0.68% | 83rd top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.65% | 4.92% | 33rd position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 92.17% | 75.66% | 87th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$334.2M total assets against $313.8M; $281.8M total shares and deposits against $264.5M; $259.7M total loans against $256.5M.
$52.7M net worth against $49.2M.
15.78% net worth ratio against 15.67%.
92.17% loan-to-share ratio against 96.98%.
0.29% delinquency ratio against 0.36%.
1.53% return on assets against 1.09%; 9.68% return on equity against 6.94%.
2.99% net interest margin against 2.67%.
12,242 members against 12,094.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.78% | 1.53% | 0.29% | 92.17% |
| March 31, 2026 | 14.89% | 0.90% | 0.47% | 87.24% |
| December 31, 2025 | 15.86% | 0.81% | 0.74% | 96.69% |
| September 30, 2025 | 15.94% | 1.10% | 0.19% | 98.64% |
| June 30, 2025 | 15.67% | 1.09% | 0.36% | 96.98% |
| March 31, 2025 | 15.02% | 0.72% | 0.29% | 91.75% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.