Charter 23605 · San Antonio, TX
Synergy Federal Credit Union
Synergy Federal Credit Union is a federally chartered credit union in San Antonio, Texas, with $334 million in assets and 12,242 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 15.78%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $334 million
- +6.5% in a year
- Members
- 12,242
- +1.2% in a year
- Net worth ratio
- 15.78%
- Peer median 11.65%
- Loans 60+ days late
- 0.29%
- Peer median 0.70%
- Loans outstanding
- $260 million
- +1.2% in a year
- Shares and deposits
- $282 million
- +6.5% in a year
- Branches
- 7
- 40 employees
- Opened
- 1980
- Federal charter
How Synergy Federal Credit Union compares
NCUA groups credit unions by size; Synergy Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 15.78% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.29%, is lower than the group median of 0.70%. Loans grew 1.2% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 80 of 380 credit unions headquartered in Texas. See all Texas credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $334 million | 12,242 | $260 million | 15.78% | 0.29% |
| Q1 2026 | $346 million | 12,314 | $256 million | 14.89% | 0.47% |
| Q4 2025 | $320 million | 12,259 | $260 million | 15.86% | 0.74% |
| Q3 2025 | $314 million | 12,194 | $260 million | 15.94% | 0.19% |
| Q2 2025 | $314 million | 12,094 | $256 million | 15.67% | 0.36% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 1.8 million potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 7 sites for Synergy Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Main Office (main office)
1 Valero Way, San Antonio, TX 78249 - Corpus Christi
1147 Cantwell Ln, Corpus Christi, TX 78407 - Houston
9701 Manchester St, Houston, TX 77012 - Texas City
1201 25Th Ave N, Texas City, TX 77590 - Port Arthur
1801 S Gulfway Dr, Port Arthur, TX 77640 - Ridgewood Parkway branch
19100 Ridgewood Pkwy, San Antonio, TX 78259 - Three Rivers Branch
301 E Le Roy St, Three Rivers, TX 78071
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology