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SYNERGY FEDERAL CREDIT UNION

Dec, 31, 2020 — SYNERGY FEDERAL CREDIT UNION is a federal credit union headquartered in San Antonio, TX with 7 branch locations and about $273.54 million in total assets. Opened 41 years ago in 1980, SYNERGY FEDERAL CREDIT UNION has about 11,845 members and employs 35 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:11,845
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:$273,536,709
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 27,643,807
TOTAL INVESTMENTS 31,990,386
Loans Held for Sale 0
 
 Real Estate Loans 110,772,641
 Unsecured Loans 7,463,161
 Other Loans 92,808,169
 TOTAL LOANS 211,043,971
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -274,724
 Land And Building 0
 Other Fixed Assets 408,290
 NCUSIF Deposit 1,963,772
 All Other Assets 761,207
  TOTAL ASSETS 273,536,709
LIABILITIES & CAPITAL:  
 Dividends Payable 41,333
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 2,533,873
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 40,667,746
 Regular shares 83,740,293
 All Other Shares & Deposits 106,728,743
  TOTAL SHARES & DEPOSITS 231,136,782
  TOTAL LIABILITIES 233,711,988
 Regular Reserve 1,921,461
 Other Reserves 541,755
 Undivided Earnings 37,361,505
  TOTAL EQUITY 39,824,721
  TOTAL LIABILITIES, SHARES, & EQUITY 273,536,709
INCOME & EXPENSE  
 Loan Income 7,819,921
 Investment Income 648,252
 Other Income 735,616
 Total Employee Compensation & Benefits 3,128,803
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 2,103,905
 Non-operating Income & (Expense) 876,785
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 282,000
 Cost of Funds 1,760,157
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 2,805,709
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