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National Credit Union Service Organization

SYNERGY FEDERAL CREDIT UNION

Mar, 31, 2021 — SYNERGY FEDERAL CREDIT UNION is a federal credit union headquartered in San Antonio, TX with 7 branch locations and about $296.99 million in total assets. Opened 41 years ago in 1980, SYNERGY FEDERAL CREDIT UNION has about 11,816 members and employs 38 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 314092128
Name:SYNERGY FEDERAL CREDIT UNION
Address:
(Main Office)
PO Box 691730
San Antonio, TX 78269
Phone:(210) 750-8333
Fax:(210) 345-2338
Website:http://www.synergyfcu.org
Branches:7 branch locations
Members:11,816
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, 2020
FHLB Member:No
Low Income Designation:No
Assets:$296,989,131
CEO/Manager:Sean Murphy
Chairperson:Benny Perriraz

Call Report

  • Overdraft Protection
  • Participation Loans
  • Real Estate Loans
  • Risk Based Loans
  • Share Secured Credit Cards
  • ATM/Debit Card Program
  • Check Cashing
  • Insurance/Investment Sales
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 44,848,984
TOTAL INVESTMENTS 34,837,567
Loans Held for Sale 0
 
 Real Estate Loans 115,603,453
 Unsecured Loans 6,822,311
 Other Loans 89,461,775
 TOTAL LOANS 211,887,539
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -298,599
 Land And Building 0
 Other Fixed Assets 417,536
 NCUSIF Deposit 1,963,772
 All Other Assets 3,332,332
  TOTAL ASSETS 296,989,131
LIABILITIES & CAPITAL:  
 Dividends Payable 86,937
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 2,675,476
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 47,462,197
 Regular shares 94,185,053
 All Other Shares & Deposits 112,418,051
  TOTAL SHARES & DEPOSITS 254,065,301
  TOTAL LIABILITIES 256,827,714
 Regular Reserve 1,921,461
 Other Reserves 171,904
 Undivided Earnings 38,068,052
  TOTAL EQUITY 40,161,417
  TOTAL LIABILITIES, SHARES, & EQUITY 296,989,131
INCOME & EXPENSE  
 Loan Income 1,932,152
 Investment Income 106,046
 Other Income 74,438
 Total Employee Compensation & Benefits 784,688
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 484,607
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 55,000
 Cost of Funds 371,113
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 706,548
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