PackageTrendsPeer
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Synergy

San Antonio, TX · Charter 23605

NCUA · 7 branches

Q2 2026

$334.2MAssets
$259.7MLoans
$281.8MShares
$52.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.23%, up 32 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 0.29% of loans (-7 bps YoY).
  • Capital: net worth / assets of 15.78%, up 11 bps from a year ago.
  • Funding: loans stand at 92.17% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.23%+32 bps YoY

Net Interest Margin (YTD, annualized)

2.90%+32 bps YoY

Efficiency Ratio (YTD, annualized)

59.12%-664 bps YoY

Net Worth / Assets

15.78%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.98%0.92%0.90%1.23%+32 bps
Return on Equity5.84%6.12%5.82%6.07%7.80%+196 bps
Net Interest Margin2.57%2.64%2.64%2.71%2.90%+32 bps
Efficiency Ratio65.76%64.06%64.64%64.92%59.12%-664 bps
Growth
Asset Growth (YoY)-0.23%3.00%6.69%7.47%6.50%+674 bps
Loan Growth (YoY)0.65%3.02%4.07%2.13%1.25%+60 bps
Share Growth (YoY)0.20%2.71%4.98%7.40%6.53%+633 bps
Asset Quality
Delinquent Loans / Loans0.36%0.19%0.74%0.47%0.29%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.67%15.94%15.86%14.89%15.78%+11 bps
Net Worth / Assets15.67%15.94%15.86%14.89%15.78%+11 bps
Liquidity & Funding
Loans / Shares96.98%98.64%96.69%87.24%92.17%-481 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps