Federal credit union · San Antonio, Texas · NCUA charter #23605
SYNERGY
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $319.5M
- Total assets
- 12,259
- Members
- 14.9%
- Net-worth ratio
SYNERGY scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $319.5M; members 12,259; net-worth ratio 14.89%; health rank #2,713 of 4,374; healthier than 36th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,713 of 4,374 health · 2025Q4SYNERGY · health 80/100 · $319.5M · 2025Q4
Call Report peers
SYNERGY in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SYNERGY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SYNERGY sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
SYNERGY vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 96.69% here, 72.20% peer average (+24.49 pp).
Texas standing for SYNERGY
- Health composite ranks #245 of 386 among scored Texas credit unions.
- Texas assets place: #83 of 386.
- Member book place in Texas: #112 of 386.
- One place up in Texas, Federal Employees (#244) ties at 80/100; one place down, Security First (#246) ties at 80/100.
How SYNERGY's 5300 filing moved
SYNERGY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +8.1% from $319.5M (2025Q4) to $345.5M (2026Q1).
- Net-worth ratio shifted -0.97 pp (15.86% → 14.89%).
14.89% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 80/100 score is built
SYNERGY gives up 20 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.6 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 12.4 pts
SYNERGY health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.89% | +2.78 pp |
| Delinquency Rate | 0.74% | -0.15 pp |
| Return on Assets | 0.70% | +0.07 pp |
| Member Growth | -5.04% | - |
| Loan-to-Share Ratio | 96.69% | +24.49 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
SYNERGY filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $345.5M | - |
| 2025Q4 | $319.5M | 12,259 |
| 2024Q4 | $299.5M | 12,910 |
| 2023Q4 | $305.8M | 12,090 |
Credit Union Details
- Charter Number
- 23605
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- San Antonio
- Data Quarter
- 2025Q4
Branch Locations (7)
Per its most recent NCUA branch filing, SYNERGY runs 7 offices in 6 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | San Antonio, TX |
| Corpus Christi | Corpus Christi, TX |
| Houston | Houston, TX |
| Port Arthur | Port Arthur, TX |
| Ridgewood Parkway branch | San Antonio, TX |
| Texas City | Texas City, TX |
| Three Rivers Branch | Three Rivers, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near SYNERGY
Similar total assets
Similar health score
Using this data
- SYNERGY ranks #2,713 of 4,374 nationally on financial health and #245 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EVOLVE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EVOLVE
Frequently Asked Questions
Is SYNERGY financially healthy?
SYNERGY has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,713 of 4,374 nationally on health and #245 of 386 in Texas. Its net worth ratio is 14.89% and its delinquency rate 0.74%.
How does SYNERGY compare to other credit unions?
SYNERGY scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (96.69% vs 72.20%).
How can I join SYNERGY?
SYNERGY operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact SYNERGY directly for the exact boundaries and application steps.
Is my money safe at SYNERGY?
SYNERGY is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. SYNERGY's net worth ratio of 14.89% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.