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
- PHOTO 79/100
- BOOK 10.3%
- CHARTER 1.53%
- NCUSIF 0.18%
- CAMELS $16.45B
- HEALTH 709,298
- NW #2,882/4,374
- DELQ Lake Michigan
- ROA 19976
Call Report peers
First Technology in the assets neighbourhood
First Technology's $16.45B assets sit next to Lake Michigan ($15.95B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
First Technology vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
First Technology - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #19976. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for First Technology
First Technology: total assets by quarter
3 Call Report filings on this page's own vintage chain
- 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%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for First Technology - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($16.45B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
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
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is First Technology financially healthy?
A 10.27% net worth ratio and a 1.53% delinquency rate feed into First Technology's financial health score of 79/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,882 of 4,374; by total assets it ranks #12 of 4,374 nationally (same basis as /rankings/largest); and #3 of 243 within California. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does First Technology compare to other credit unions?
First Technology scores 79/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like First Technology are 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."
What rates does First Technology offer compared to banks?
Credit unions like First Technology are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact First Technology directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.