Sep, 30, 2025 — SYNERGY FEDERAL CREDIT UNION is a federal credit union headquartered in SAN ANTONIO, TX with 7 branch locations and about $313.87 million in total assets. Opened 46 years ago in 1980, SYNERGY FEDERAL CREDIT UNION has about 12,194 members and employs 41 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | SYNERGY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1 Valero Way SAN ANTONIO, TX 78249-1616 |
| Phone: | (210) 750-8333 |
| Fax: | (210) 345-2338 |
| Website: | https://www.synergyfcu.org |
| Branches: | 7 branch locations |
| Members: | 12,194 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 23605 |
|---|---|
| Membership Type: | Multiple common bond - Primarily petroleum refining |
| Corporate Credit Union: | No |
| Year Opened: | 1980 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $313,872,590 |
| CEO/Manager: | Sean Murphy |
| Chairperson: | Dan Stanush |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 10,294,255 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 125,009,353 |
| Unsecured Loans | 10,276,693 |
| Other Loans | 124,441,151 |
| TOTAL LOANS | 259,727,197 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -282,268 |
| Land And Building | 0 |
| Other Fixed Assets | 157,521 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 2,398,181 |
| All Other Assets | 0 |
| TOTAL ASSETS | 313,872,590 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 198,660 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 2,776,965 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 43,151,133 |
| Regular shares | 66,433,829 |
| All Other Shares & Deposits | 153,713,778 |
| TOTAL SHARES & DEPOSITS | 263,298,740 |
| TOTAL LIABILITIES | 266,274,365 |
| Regular Reserve | 0 |
| Other Reserves | -2,182,838 |
| Undivided Earnings | 49,781,063 |
| TOTAL EQUITY | 47,598,225 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 313,872,590 |
| INCOME & EXPENSE | |
| Loan Income | 9,495,570 |
| Investment Income | 919,555 |
| Other Income | 525,256 |
| Total Employee Compensation & Benefits | 2,818,816 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,730,161 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 254,135 |
| Cost of Funds | 4,202,559 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 2,297,598 |
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