SYNERGY
Charter #23605 · San Antonio, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.89% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.82% sits at the 0th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.12% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 64.92% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 80th percentile but its structural peers at the 57th — a 23-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SYNERGY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $345.54M | 80th pct | 57th pct |
| Members | 12,314 | 46th pct | 28th pct |
| Net worth ratio | 14.89% | 85th pct | 84th pct |
| Return on average assets | 0.94% | 66th pct | 57th pct |
| Net interest margin | 2.82% | 9th pct | 0th pct |
| Cost of funds | 1.88% | 84th pct | 74th pct |
| Loan-to-share | 87.24% | 84th pct | 69th pct |
| Delinquency 60+ days | 0.47% | 38th pct | 39th pct |
| Net charge-off ratio | 0.12% | 22th pct | 18th pct |
| Loan growth YoY | -1.27% | 32th pct | 13th pct |
| Share growth YoY | 11.63% | 98th pct | 93th pct |
| Efficiency ratio | 64.92% | 15th pct | 23th pct |
structural peer set hash: 2cdf3252370112e989e6bac4d237f1e1… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.