State credit union · SAN JOSE, California · NCUA charter #68383
TECHNOLOGY
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $4.65B
- Total assets
- 173,969
- Members
- 11.2%
- Net-worth ratio
TECHNOLOGY scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.65B; members 173,969; net-worth ratio 11.18%; health rank #3,411 of 4,374; healthier than 21st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,411 of 4,374 health · 2025Q4TECHNOLOGY · health 73/100 · $4.65B · 2025Q4
- ROA 73/100
- ASSETS 11.2%
- MEM 0.63%
- RANK 0.02%
- PHOTO $4.65B
- BOOK 173,969
- CHARTER #3,411/4,374
- NCUSIF ASCEND
- CAMELS 68383
Call Report peers
TECHNOLOGY in the assets neighbourhood
TECHNOLOGY's $4.65B assets sit next to ASCEND ($4.67B) 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.
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
73 21st percentile higher than 21% 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
TECHNOLOGY - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68383: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for TECHNOLOGY
- Loan-to-Share Ratio leads the peer set - 91.74% here, 83.90% peer average (+7.84 pp).
- Widest shortfall vs peers is Return on Assets: -0.49 pp (0.02% vs 0.51%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
TECHNOLOGY in California
- In California, health place is #195 of 243 on the same NCUA-ratio sort used nationally.
- Assets rank #17 of 243 inside California ($4.65B reported).
- Membership ranks #22 of 243 among California CUs with a reported count (173,969 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 TECHNOLOGY
TECHNOLOGY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.2% from $4.65B (2025Q4) to $4.66B (2026Q1).
- Net-worth ratio shifted -0.03 pp (11.21% → 11.18%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.18% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 73/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.7 pts
- Return on Assets 5.3 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.0 pts
Call Report ratios for TECHNOLOGY
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.18% | +0.00 pp |
| Delinquency Rate | 0.63% | -0.24 pp |
| Return on Assets | 0.02% | -0.49 pp |
| Member Growth | -13.51% | - |
| Loan-to-Share Ratio | 91.74% | +7.84 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).
Call Report history - TECHNOLOGY
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.66B | - |
| 2025Q4 | $4.65B | 173,969 |
| 2024Q4 | $4.77B | 201,138 |
| 2023Q4 | $4.83B | 169,002 |
Credit Union Details
- Charter Number
- 68383
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- SAN JOSE
- Data Quarter
- 2025Q4
Branch Locations (11)
The NCUA branch filing lists 11 physical offices for TECHNOLOGY, spread across 9 cities in 3 states.
| Office | City |
|---|---|
| Corporate Office (Main Office) | San Jose, CA |
| Austin Branch | Austin, TX |
| Cupertino Branch | Cupertino, CA |
| Dublin Branch | Dublin, CA |
| Fremont Branch | Fremont, CA |
| Meridian Branch | Meridian, ID |
| Milpitas Branch | Milpitas, CA |
| Palo Alto Branch | Palo Alto, CA |
| Campbell Branch | San Jose, CA |
| Santa Teresa Branch | San Jose, CA |
| Sunnyvale Branch | Sunnyvale, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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 TECHNOLOGY
TECHNOLOGY's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($4.65B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
Using this data
- TECHNOLOGY ranks #3,411 of 4,374 nationally on financial health and #195 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- STANFORD is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with STANFORD
- 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 TECHNOLOGY financially healthy?
TECHNOLOGY has a financial health score of 73/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,411 of 4,374; by total assets it ranks #100 of 4,374 nationally (same basis as /rankings/largest); and #17 of 243 within California. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.18% and delinquency rate of 0.63%.
How does TECHNOLOGY compare to other credit unions?
Five weighted metrics from NCUA filings produce TECHNOLOGY's 73/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 TECHNOLOGY?
Membership eligibility for TECHNOLOGY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact TECHNOLOGY directly for current membership requirements and application steps.
Is my money safe at TECHNOLOGY?
Federal credit unions like 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. TECHNOLOGY's net worth ratio of 11.18% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TECHNOLOGY offer compared to banks?
Credit unions like 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 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.