BlastPoint's Credit Union Scorecard
SYNERGY
Charter #23605 · TX
SYNERGY has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Relationship Depth Leader: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.35% above tier average
- + Loan-to-Member Ratio (LMR): Top 2.9% in tier
- + Average Member Relationship (AMR): Top 4.8% in tier
- + Efficiency Ratio: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Net Interest Margin (NIM): Bottom 9.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 74 that size in Texas.
- Shares and deposits +6.5% year over year ($282M in shares and deposits).
- Membership: 12,242 members, +1.2% vs a year ago.
- Delinquency rate 0.29%.
- Return on assets 1.21%.
- Efficiency ratio 59.12% vs a 76.73% peer average.
- Loan-to-share ratio 92.17% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,242
+1.2% YoY-0.6% QoQ
|
-2.9K |
15,168
-2.6% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
45% |
| Assets |
$334.2M
+6.5% YoY-3.3% QoQ
|
+$102.2M |
$232.0M
+0.7% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
79% |
| Loans |
$259.7M
+1.2% YoY+1.3% QoQ
|
+$113.4M |
$146.3M
+0.2% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Top 11.3% in tier |
| Deposits |
$281.8M
+6.5% YoY-4.1% QoQ
|
+$81.0M |
$200.7M
+0.2% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
78% |
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| ROA |
1.2%
+34.0% YoY+33.9% QoQ
|
+0.3% |
0.9%
+12.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
77% |
| NIM |
2.8%
+12.0% YoY+5.1% QoQ
|
-0.8% |
3.7%
+4.5% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 8.9% in tier |
| Efficiency Ratio |
59.1%
-10.1% YoY-8.9% QoQ
|
-17.6% |
76.7%
-0.8% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Top 7.6% in tier |
| Delinquency Rate |
0.3%
-20.4% YoY-39.0% QoQ
|
-0.6 |
0.9%
+6.6% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
18% |
| Loan To Share |
92.2%
-5.0% YoY+5.7% QoQ
|
+20.6% |
71.5%
-0.3% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Top 10.8% in tier |
| AMR |
$44,230
+2.7% YoY-1.0% QoQ
|
+$19K |
$25,107
+3.2% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 4.9% in tier |
| CD Concentration |
37.8%
-0.8% YoY+2.7% QoQ
|
+13.2% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)