Synergy
San Antonio, TX · Charter 23605 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 7 branches
Q2 2026
$334.2MAssets
$259.7MLoans
$281.8MShares
$52.7MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 94% of credit unions under $1B in assets in TX (rank 16 of 235).
- Widest gap: net interest margin trails 91% of credit unions under $1B in assets in TX (rank 215 of 235).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.23%
Rank 50 of 235
Net Interest Margin
2.90%
Rank 215 of 235
Efficiency Ratio
59.12%
Rank 16 of 235
Equity / Assets
15.78%
Rank 96 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.23% | 0.17% | 0.57% | 1.10% | Beats 79% | 50 / 235 | |
| Return on Equity | 7.80% | 1.03% | 4.30% | 7.58% | Beats 76% | 56 / 235 | |
| Net Interest Margin | 2.90% | 3.32% | 3.89% | 4.35% | Beats 9% | 215 / 235 | |
| Efficiency Ratio | 59.12% | 70.60% | 82.00% | 91.57% | Beats 94% | 16 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.20% | 0.59% | 1.14% | Beats 72% | 66 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.78% | 11.30% | 14.41% | 19.49% | Beats 59% | 96 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.78% | 11.30% | 14.41% | 19.49% | Beats 59% | 96 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 92.17% | 54.18% | 67.38% | 81.66% | 91st pctl | 21 / 235 | |
| Loans / Assets | 77.71% | 43.80% | 56.63% | 68.64% | 91st pctl | 20 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |