Credit union · NCUA insured
Synergy Federal Credit Union
Top CarrotA $345.5M credit union headquartered in San Antonio, TX, with 12,314 members and 7 branches in Texas. Best rates: CDs 4.13% and savings 0.20% APY.
Synergy Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 92% of U.S. banks and credit unions
#13 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Synergy Federal Credit Union
- Headquarters
- 1 Valero Way, San Antonio, TX 78249-1616
- NCUA charter
- 23605
Branches
7 branches in Texas
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Texas
7 branches
San Antonio area · 2
- Main OfficeMain office1 Valero Way, San Antonio, TX 78249Directions
- Ridgewood Parkway branch19100 Ridgewood Pkwy, San Antonio, TX 78259Directions
Houston area · 2
- Houston9701 Manchester St, Houston, TX 77012Directions
- Texas City1201 25th Ave N, Texas City, TX 77590Directions
Corpus Christi area · 1
- Corpus Christi1147 Cantwell Ln, Corpus Christi, TX 78407Directions
Beaumont area · 1
- Port Arthur1801 S Gulfway Dr, Port Arthur, TX 77640Directions
Three Rivers area · 1
- Three Rivers Branch301 E Le Roy St, Three Rivers, TX 78071Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 15.78% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.29% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.26% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $92 | $76 | — |
- CapitalNet worth ratio15.78%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.29%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.26%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$92Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Synergy Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.