Federal credit union · SAN JOSE, California · NCUA charter #19976
First Technology
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $16.45B
- Total assets
- 709,298
- Members
- 10.3%
- Net-worth ratio
First Technology scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.45B; members 709,298; net-worth ratio 10.27%; health rank #2,882 of 4,374; healthier than 33rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,882 of 4,374 health · 2025Q4First Technology · health 79/100 · $16.45B · 2025Q4
Call Report peers
First Technology in the assets neighbourhood
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First Technology vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); First Technology sits in 75-79 with 502 others.
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for First Technology
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +14.36 pp (98.26% vs 83.90%).
- Largest lag: Net Worth Ratio at 10.27% vs peer 11.18% (-0.91 pp).
First Technology in California
- California health ordinal: #168 of 243.
- Assets rank #3 of 243 inside California ($16.45B reported).
- Membership ranks #3 of 243 among California CUs with a reported count (709,298 members).
- One place up in California, SILVERADO (#167) ties at 79/100; one place down, Premier America (#169) ties at 79/100.
Quarter path for First Technology
First Technology: total assets by quarter
2023Q4 to 2025Q4, NCUA 5300
- Assets moved -5.3% from $17.37B (2024Q4) to $16.45B (2025Q4).
- Membership moved +1.9% from 696,045 to 709,298 over the same window.
- Net-worth ratio shifted +0.67 pp (9.60% → 10.27%).
At 10.27%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 79/100 score is built
First Technology gives up 21 points in total. Delinquency Rate costs the most, 8.9 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.1 pts
- Return on Assets 10.1 pts
- Member Growth 11.3 pts
- Loan-to-Share Ratio 11.5 pts
Call Report ratios for First Technology
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.27% | -0.91 pp |
| Delinquency Rate | 1.53% | +0.65 pp |
| Return on Assets | 0.18% | -0.33 pp |
| Member Growth | 1.90% | - |
| Loan-to-Share Ratio | 98.26% | +14.36 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $16.45B | 709,298 |
| 2024Q4 | $17.37B | 696,045 |
| 2023Q4 | $16.85B | 665,948 |
Credit Union Details
- Charter Number
- 19976
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- California
- City
- SAN JOSE
- Data Quarter
- 2025Q4
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near First Technology
Similar total assets
Using this data
- First Technology ranks #2,882 of 4,374 nationally on financial health and #168 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The Golden 1 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The Golden 1
Frequently Asked Questions
Is First Technology financially healthy?
On its 2025Q4 NCUA 5300 filing, First Technology scores 79/100 (Very Good), with a 10.27% net worth ratio and 1.53% of loans delinquent. It ranks #2,882 of 4,374 nationally on health and #168 of 243 in California.
How does First Technology compare to other credit unions?
First Technology scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (98.26% vs 83.90%). Its widest shortfall is net worth ratio (10.27% vs 11.18%).
How can I join First Technology?
First Technology operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact First Technology directly for the exact boundaries and application steps.
Is my money safe at First Technology?
First Technology is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. First Technology's net worth ratio of 10.27% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.