# SYNERGY
San Antonio, TX · NCUA charter 23605 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/synergy-23605

Who the members are: federal charter, multiple common bond, organized 1980. 12,314 members of 1,758,320 potential (0.7% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 69.

**Verdict on the desk:** this could be *fortress*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $345.5M |
| Members | 12,314 (1.0% YoY) |
| Full-time staff | 38 |
| Net worth | $51.5M |
| Net worth ratio | 14.9% (p88 of band) |
| ROA (annualized) | 0.90% (p65 of band) |
| Total delinquency | 0.47% (p38 of band) |
| Net charge-offs (annualized) | 0.13% (p18 of band) |
| Loans / shares | 87% (p82 of band) |
| Cash / assets | 13.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.71% (p7 of band) |
| Operating expense / assets | 1.89% (p2 of band) |
| Vehicles % of loans | 42% (p67 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.28% (p24 of band) |
| Vehicle NCO | 0.06% (p11 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 37% |
| Average share balance | $13,257 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.1M |
| Loans outstanding per 100 members | 69% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $30,097 |
| Loans granted, annualized | $140.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.1M outstanding purchased (4.1% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 7.4% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | assets shrinking |  |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 1 |  | assets shrinking |
| 2017-12 | 2 | members leaving |  |
| 2018-03 | 1 |  | members leaving |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | loans>95% of shares |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 0 |  | loans>95% of shares |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | loans>95% of shares |  |
| 2019-12 | 0 |  | loans>95% of shares |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | delinquency rising |  |
| 2020-09 | 0 |  | net worth falling, delinquency rising |
| 2020-12 | 1 | delinquency rising |  |
| 2021-03 | 0 |  | delinquency rising |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | loans>95% of shares |  |
| 2023-09 | 3 | members leaving |  |
| 2023-12 | 4 | losing money, margin squeeze | delinquency rising |
| 2024-03 | 1 | net worth falling | loans>95% of shares, members leaving, losing money, margin squeeze |
| 2024-06 | 2 | delinquency rising, loans>95% of shares | net worth falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | loans>95% of shares |
| 2025-06 | 1 | loans>95% of shares | delinquency rising |
| 2025-09 | 1 |  |  |
| 2025-12 | 3 | delinquency rising, members leaving |  |
| 2026-03 | 2 | net worth falling | loans>95% of shares, members leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-08 [Synergy FCU marks 46 years of service, grows commitment to Live Oak County - SouthTexasNews.com](https://news.google.com/rss/articles/CBMi-wFBVV95cUxPd3U2SWo1c1poSHViNG5QSVhDSzlQeEtBdTdzbHdXV2U4RmhQUjd0QV9EZmJqXzQ5TDh5N1RCU1prV0tVVTZxMTNYcVh2MjhCNkpRZURiTVUyRlR3Rlk3VUdQb2RIR2VWUmZ6YW1uYnFPWlQxVklYRjgtNzBDbkhJSlRZVVVjV2NsRzVhM09sZWlrYUxxZFZJVHhnYlBfelVfc1BkNl9FcEpOTy1tZHJIYUxsYVdZUm1XZ043b0FhVDBmZVNFZ3FDbkNpUU14X2x5QTg0RTZsS0RZWFJ1eVB1cG9CWE5IeDg3a0N0RGZTcUxSR0RZSkhMb3c3cw?oc=5) · SouthTexasNews.com
- 2025-10-14 [Federal Court: Litigation use of ex-employee’s social media post not barred by PIPEDA - Law360 Canada](https://news.google.com/rss/articles/CBMixAFBVV95cUxNYm5HbldQdVkzQjUwbkQzMlNkaFlXaGVlYTNXZDZvd2lXYmRnOUM2cmtMcFV6RENkRUpodUV4ejIyY3JDa3ZrVUR5RlZpajU3QjktNHY5VDluSEV0S0ZWRjNiVW5LOTRoSWxkYmxTOVNhNmpSOHhIMU95a0o3VW1lX1U4SVhMTC1oSzdWTG1Hc2V4M3RRbUt5M2w2YThnYjhWMHRjcFZUcWdPNG8xTlVFcVd6MF9BOThCN3JPalJJTHhzMkpQ0gFYQVVfeXFMTktsNmxreFhPNzJ0OEc3RUxRcm5tdVptQVBWVV9IdGw5OWtORnRCVWd0b2tybk5vdjFWWXBWeV9qTVhUM0NLMmRsdDRGN3g3QWJESmpoOXRJMw?oc=5) · Law360 Canada
- 2023-12-07 [LendKey and Cornerstone Resources Join Forces to Elevate Credit Union Services - newswire.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxPWGpoX0RpaGRGampOXzBMSlROZG1JVnk4dkhyU0ZNTXhyblBkbXluanBMZkR5MzRPdGJxVmNKOXdTcW03MnhhTDlyZUI0cldGaHgzUDFqMUxXcHZpZ2M3RE83M1ZzUFVZRjU0dFJyQ3ZucThVWndCZkxTV25xVWlFdDVFNFdMVDdVZ2xoSjRvLUljOFlzeG9teWJqMDNYUG1XRlpEZG1kaDh2a3hL?oc=5) · newswire.com
- 2025-03-28 [Rockers Add Twin Synergy to 2025 Roster - Green Bay Rockers - Northwoods League](https://news.google.com/rss/articles/CBMinwFBVV95cUxNYWJDZ0xJNmtfQW9ORGNlYnUwMm9VemNIQ0JkTUllU0RYV0lmQ0RNbmRfcEdxZFVmUjRTVklCb0V0cHA3U1RMWHpSME8wOVp4ZjFHYzdrQUxkTGcxd21qY3BNYkJCMVZ6cTZCMFZhY2pBelhILTBOR0ZlVlh3OFlZSnNqQjl5ZEhodE81a2NBejhwYV9JR2YtSEE2T0ZXNUk?oc=5) · Northwoods League
- 2020-10-17 [Synergy HomeCare of Southeast Texas hosts fan drive, raises $3K for senior citizens - 12newsnow.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNNUdhTVhzNTJZQzhybjJoSTQ1NXJJZzZoTURNOXA1emY5UHQtdU5SUF9qNUROS1Zqd1NIblJZN3k5VE5FeTRrSTQxRTZMa0I0VURtaFNyeFROcDBYc0hZUzlOVjh5cllvZWp4SXF4dC1vd25YeFZuelptY0UxN1lRMEdyeWF0ZVVEdEk0emZISUowelZCbW0wcWRHbVNWQzdXMnUzUVdLQlVpRmh3d3dIM1lOUFZjLU9FVUpsZGNOb2F5TTVJZWdJWEpKZGlnUFdhU09J?oc=5) · 12newsnow.com
- 2025-05-14 [Voyager Elementary receives Minnesota Promising Practice Award - Alexandria Echo Press](https://news.google.com/rss/articles/CBMimAFBVV95cUxQcUJLc0pTOXRuQWZ6UE9LZmhQMElPM0tPZlFtLWpxeVVGS19yaXM3T1ZGS1k0X19jMk9LbjdRTWQ4a2lreHlKYWROMkk4TVk3b1dELWFEZ282eDkyZEgtZ0QtRHlFVVBsSjhRY2dqUkZmQ2xhZUdJMFRrREdaTndmQURuT0Z1b3hxTG9hQXFpcndFTTBPNVpaSw?oc=5) · Alexandria Echo Press
- 2022-03-24 [Dance Gavin Dance release “Synergy” featuring Don Broco's Rob Damiani—watch - Alternative Press Magazine](https://news.google.com/rss/articles/CBMicEFVX3lxTE5HeE9WOTVuNzJrR0dhalJwdXNKMFphbW5Na0RzNDZjdzhKcjFJUWJoVnNsVDNSdkp4THBLV3VaN20td3hLcVMtQW1DZ0d3a05XYWhzcFNFNlV0UDVNdXlsUWxtUE1rS0p5d1hLOHBmSy0?oc=5) · Alternative Press Magazine
- 2022-03-24 [Dance Gavin Dance Drop New Single "Synergy" Featuring Rob Damiani Of Don Broco - Prelude Press](https://news.google.com/rss/articles/CBMihgFBVV95cUxOX1BabUxMLUpuNkhTam9PVm41X3BKMXluUVJienlKQ3FXVXRxSmFhaUM1dmVNc3d4NjZRWkViRGFjU2Y1ak9rTVdsM1RMY3FaQlFXblNaNmkwLXZZQzdqU3ZGR21BVk1FaXpibXZfXzJ0cDktc0VNTGtRNG5FVldXNEtvbmRCZw?oc=5) · Prelude Press

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23605 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/53.json (key "23605", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=23605
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide