Synergy

San Antonio, TX · 1 · Charter #23605 · www.synergyfcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$319.5M
20th percentile
Members
12,259
4th percentile
Total loans
$259.8M
41th percentile
Total shares
$267.7M
19th percentile

Profitability

Return on assets
1.07%
57th percentile
Net interest margin
2.64%
10th percentile
Efficiency ratio
40.88%
95th percentile
Non-interest income ratio
8.04%
4th percentile

Capital & Risk

Net worth ratio
15.86%
93th percentile
Delinquency rate
0.74%
47th percentile
Net charge-off rate
0.08%
92th percentile
Loan-to-share
97.05%
87th percentile

Growth

Member growth YoY
-5.04%
10th percentile
Asset growth YoY
6.69%
64th percentile
Loan growth YoY
4.07%
51th percentile
Share growth YoY
4.59%
49th percentile

Operations

Members / branch
1,751
1th percentile
Assets / member
$26,066
92th percentile
Field of membership penetration
0.70%
9th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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