Federal credit union · SAN JOSE, California · NCUA charter #19976
First Technology
Health score 76/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $16.45B
- Total assets
- 709,298
- Members
- 8.8%
- Net-worth ratio
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.
First Technology - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)90
- Asset quality (delinquency)64
- Earnings (ROA)68
- Member growth75
- Liquidity (loan-to-share)75
Weighted composite: 76/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.83%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.83% | 30% |
| Delinquency Rate | 1.53% | 25% |
| Return on Assets | 0.18% | 15% |
| Member Growth | 1.90% | 15% |
| Loan-to-Share Ratio | 98.26% | 15% |
Health score = weighted composite of above metrics. 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
What This Data Says About First Technology
First Technology is a federal credit union headquartered in SAN JOSE, California, serving 709,298 members with $16.45B in total assets and $12.14B in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 76/100 (Very Good), anchored by a net worth ratio of 8.83% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #19976 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
Deposits deployed into lending sit at a 98.26% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 1.53% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Return on assets stands at 0.18% on net income of $28.8M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.90%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is First Technology financially healthy?
A 8.83% net worth ratio and a 1.53% delinquency rate feed into First Technology's financial health score of 76/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does First Technology compare to other credit unions?
First Technology scores 76/100 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 8.83% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.