TellerScore

Synergy Federal Credit Union (NCUA charter #23605) is based in San Antonio, Texas. Its Q2 2026 call report shows $334.2M in total assets and $281.8M in member shares and deposits and 5 offices.

Based on its Q2 2026 filing, Synergy Federal Credit Union scores 86/100, which we describe as very strong. That is higher than 89% of 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 62nd. Its strongest component is capital cushion (100/100; 15.78%), and its lowest is funding & liquidity (68/100; 92% loans-to-deposits, 7% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.78%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.29%
Earnings69/100
Return on assets (annualized): 1.23%
Funding & liquidity68/100
Loans ÷ shares: 92.2% · 7.0% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.41%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (82 → 86), mostly because the earnings component improved by 12 points.

TellerScore
788286Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202481
Q4 202480
Q1 202582
Q2 202582
Q3 202584
Q4 202578
Q1 202682
Q2 202686
Net worth ratio
7.00%11.47%15.94%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.86%
Q3 202415.52%
Q4 202415.93%
Q1 202515.02%
Q2 202515.67%
Q3 202515.94%
Q4 202515.86%
Q1 202614.89%
Q2 202615.78%
Delinquent loans (60+ days)
0.19%0.46%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.37%
Q3 20240.40%
Q4 20240.46%
Q1 20250.29%
Q2 20250.36%
Q3 20250.19%
Q4 20250.74%
Q1 20260.47%
Q2 20260.29%
Return on assets
0.72%0.98%1.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.79%
Q3 20240.79%
Q4 20240.74%
Q1 20250.72%
Q2 20250.91%
Q3 20250.98%
Q4 20250.92%
Q1 20260.90%
Q2 20261.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$334.2M15.78%0.29%1.23%92.2%
Q1 202682$345.5M14.89%0.47%0.90%87.2%
Q4 202578$319.5M15.86%0.74%0.92%96.7%
Q3 202584$313.9M15.94%0.19%0.98%98.6%
Q2 202582$313.8M15.67%0.36%0.91%97.0%
Q1 202582$321.5M15.02%0.29%0.72%91.7%
Q4 202480$299.5M15.93%0.46%0.74%97.5%
Q3 202481$304.7M15.52%0.40%0.79%98.3%
Q2 202481$314.5M14.86%0.37%0.79%96.5%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.78%
89th
Problem loans0.29%
83rd
Net charge-offs0.09%
86th
Return on assets1.23%
79th
Loans to deposits92.2%
13th
Uninsured deposits7.0%
39th
Loan-loss reserves0.00%
50th
Texas ratio1.4%
84th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Fort Worth City Credit UnionCredit union Fort Worth, TX93 out of 100, Very strong$336.8M13.1%0.03%vs
Texoma Community Credit UnionCredit union Wichita Falls, TX63 out of 100, Moderate$325.5M11.2%0.70%vs
First Basin Credit UnionCredit union Odessa, TX75 out of 100, Strong$343.2M11.5%0.29%vs
Evolve Federal Credit UnionCredit union El Paso, TX70 out of 100, Strong$323.2M10.8%0.04%vs
Gulf Credit UnionCredit union Groves, TX68 out of 100, Moderate$348.6M10.0%0.45%vs
Acfcu Federal Credit UnionCredit union Amarillo, TX57 out of 100, Moderate$319.0M8.6%1.06%vs

Deposit insurance

Is my money safe at Synergy Federal Credit Union?

Yes. Synergy Federal Credit Union is a federally insured credit union (NCUA charter #23605). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 7.0% of shares and deposits ($19.8M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 15.78%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Synergy Federal Credit Union lists 5 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Synergy Federal Credit Union reported 118 home-loan applications under HMDA (LEI 549300QEVTCM4MW2YI14): 87 originated ($19,865,000 total), 6 denied, and 25 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Synergy Federal Credit Union
Type
Federal credit union
NCUA charter #
23605
RSSD ID
423289
Primary regulator
NCUA
Established
1980
Headquarters
PO Box 691730, San Antonio, TX 78269
Employees
40

Quick answers

Synergy Federal Credit Union: common questions

Is Synergy Federal Credit Union NCUA insured?

Yes. Synergy Federal Credit Union is a federally insured credit union (NCUA charter #23605). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Synergy Federal Credit Union's TellerScore?

86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Synergy Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near San Antonio

InstitutionScoreAssetsCapitalProblem loansCompare
Texas Associations of Professionals Federal Credit UnionCredit union San Antonio, TX93 out of 100, Very strong$29.6M15.7%0.08%vs
Schertz Bank & TrustBank Schertz, TX90 out of 100, Very strong$770.1M15.2%0.05%vs
H E B Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$218.2M18.3%0.19%vs
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs
Texas Community BankBank Laredo, TX84 out of 100, Strong$2.2B12.8%0.20%vs
City Public Service/Ibew Federal Credit UnionCredit union San Antonio, TX81 out of 100, Strong$56.3M14.9%1.18%vs