SYNERGY
Federal • San Antonio, Texas • Est. 1980
Quick Facts
- Charter Number
- #23605
- Type
- Federal
- Established
- 1980
- Headquarters
- San Antonio, Texas 78269
- Address
- PO Box 691730
- Branches
- 7
- ATMs
- 7
- Members
- 12,259
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
12,259 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SYNERGY |
|---|---|
| Total Assets | $319.5M |
| Members | 12,259 |
| Loans Outstanding | $259.8M |
| Shares & Deposits | $268.7M |
| Net Worth | $50.7M |
| Net Worth Ratio | 15.86% |
| Loan-to-Share Ratio | 96.7% |
| Delinquency Rate | 0.74% |
| Net Income | +$3,412,750 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
7 locations · 7 ATMs
Main Office
Main Office1 Valero Way
San Antonio, TX 78249-1616
Corpus Christi
1147 Cantwell Ln
Corpus Christi, TX 78407
Houston
9701 Manchester St
Houston, TX 77012-2408
Texas City
1201 25th Ave N
Texas City, TX 77590-5525
Port Arthur
1801 S Gulfway Dr
Port Arthur, TX 77640-4416
Who Can Join SYNERGY?
Membership Type: Community
Membership eligibility for SYNERGY may vary. Contact the credit union directly to confirm qualification requirements.
Contact SYNERGY directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Texas RankingsFrequently Asked Questions
Yes. SYNERGY is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, SYNERGY has 12,259 members and a potential membership field of 1,758,320 people.
SYNERGY's net worth ratio is 15.86% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 15.9%, SYNERGY meets this threshold.
SYNERGY operates 7 branch locations and has access to 7 ATMs. The main office is located at 1 Valero Way, San Antonio, TX 78249-1616.
SYNERGY was established in 1980. It is a federal credit union chartered under charter number 23605. The institution has been serving members for 46 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or SYNERGY. All financial data is for informational purposes only.