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Overview / Commentary
1 Valero Way
San Antonio, TX 78249-1616

Synergy Federal Credit Union is headquartered in San Antonio and is the 79th largest credit union in the state of Texas. It is also the 929th largest credit union in the nation. It was established in 1980 and as of September of 2016, it had grown to 36 employees and 11,861 members at 6 locations. Synergy Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to employees of Valero Energy Corporation, NuStar Energy, Tesoro Corporation, CST Brands, and some select employee groups.
See current membership details


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Health Grade Components

NCUA #23605
Year Chartered1980
Primary Regulator
Profit Margin
Return on Assets - YTD1.09%
Return on Equity - YTD8.62%
Annual Interest Income$5.1MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$225.0MM$223.0MM
LoansQ3 2016vs Q3 2015$172.4MM$157.0MM
DepositsQ3 2016vs Q3 2015$194.2MM$194.3MM
Equity CapitalQ3 2016vs Q3 2015$29.1MM$26.5MM
Loan Loss AllowanceQ3 2016vs Q3 2015$179.00K$201.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$267.00K$341.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0

Rates for Synergy Federal Credit Union are currently being reviewed.


Synergy Federal Credit Union Locations
Branch Office1801 Gulfway DrPort Arthur, TX 77640-4416
Branch Office1 Valero WaySan Antonio, TX 78249-1616
Branch Office1147 Cantwell LnCorpus Christi, TX 78407
Branch Office9701 Manchester StHouston, TX 77012-2408
Branch Office1201 25th Ave NTexas City, TX 77590-5525
Branch Office19100 Ridgewood PkwySan Antonio, TX 78259