First Technology Federal Credit Union
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Data as of · sourced from NCUA 5300 call reports. How we update
First Technology Federal Credit Union is a federal credit union headquartered in San Jose, CA, established in 1979 (NCUA charter 23521), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,870,858 members and total assets of $27.88B, the 2nd largest of 238 credit unions headquartered in California. Its net worth ratio was 10.75% at Q2 2026, in the well capitalized band (NCUA's well capitalized line is 7%).
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 23521
- Headquarters
- San Jose, CA
- Established
- 1979
- Total assets, Q2 2026
- $27.88B
- Members, Q2 2026
- 1,870,858
- Net worth ratio, Q2 2026
- 10.75%
- Asset rank in state
- 2nd of 238 in California
It has 696,021 more members than on June 30, 2025 (+59.2%). Its net worth ratio was up 1.07 percentage points from 9.68% on June 30, 2025.
Frequently asked about First Technology Federal Credit Union
How big is First Technology Federal Credit Union?
It reported approximately $27.88B in total assets and 1,870,858 members as of Q2 2026.
Is First Technology Federal Credit Union well capitalized?
Its net worth ratio was 10.75%. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
Credit Union Profile
- Headquarters
- San Jose, CA 95134
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1979
- NCUA Charter #
- 23521
- RSSD ID
- 483386
- Members
- 1,870,858
- Potential members
- 51,896,584
Size & Membership
Profitability
Q2 annualizedROA, ROE and net interest margin are the quarter's own income, annualized. NCUA's Financial Performance Report annualizes the year to date instead, so after the first quarter its figures differ from ours. Where the 5300 for this quarter and the prior year-end is served, the year-to-date value on NCUA's basis is shown beside each as YTD, over the average of this quarter's and the prior year-end balances. NCUA publishes no ROE; ours uses the same year-to-date basis over average net worth.
Capital & Asset Quality
Net worth category is computed by BankRegReports from the net worth ratio, using NCUA's 7, 6, 4 and 2 percent thresholds. It is not NCUA's determination, which can differ.
Peer comparison: credit unions of similar size
It ranks against 24 credit unions with $10B to $100B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 3. Rank is the estimated share of peers this credit union outperforms; the tag compares it with the median peer. Percentiles are interpolated from the peer group's 10th, 25th, 50th, 75th and 90th percentile values.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.55% to 11.84% | 10.75% | 10.42% | 56th above |
| Return on assets Middle half of peers: 0.59% to 1.31% | -0.09% | 0.97% | under 10th bottom |
| Return on equity Middle half of peers: 6.05% to 14.24% | -0.83% | 9.50% | under 10th bottom |
| Net interest margin Middle half of peers: 2.90% to 3.44% | 4.05% | 3.17% | over 90th top |
| Efficiency ratio Middle half of peers: 52.69% to 70.10% | 66.13% | 61.32% | 36th below |
| Cost of funds Middle half of peers: 1.69% to 2.02% | 1.79% | 1.88% | 62nd above |
| Delinquency ratio Middle half of peers: 0.64% to 1.27% | 1.61% | 0.91% | under 10th bottom |
| Yield on assets Middle half of peers: 4.90% to 5.36% | 5.85% | 5.07% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 81.23% to 93.33% | 90.99% | 89.87% | 58th position only |
Quarterly trends
Last 6 quarters from this credit union's own NCUA 5300 call reports. Balances are as of each quarter end; ratios are annualized.
Balances at each quarter end. Shares are the credit-union term for member deposits.
Balances at each quarter end. Net worth is the credit-union equivalent of equity capital.
Net worth over total assets. NCUA calls a credit union well capitalized at 7% and undercapitalized below 6%.
Loans over shares and deposits: how much of member money is lent out rather than invested or held in cash.
Loans 60 or more days past due as a share of total loans.
Annualized, so each point is a rate rather than a running total.
Annualized. Interest income less interest expense, over average earning assets.
Reported member count at each quarter end.
Quarterly trend: last 6 quarters
Quarter-over-quarter movement in the four ratios NCUA watches most, from the credit union's own NCUA 5300 call report filings.
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.75% | -0.09% | 1.61% | 90.99% |
| March 31, 2026 | 10.51% | 0.63% | 1.23% | 89.88% |
| December 31, 2025 | 9.69% | 0.31% | 1.23% | 91.82% |
| September 30, 2025 | 9.78% | 0.83% | 1.17% | 94.38% |
| June 30, 2025 | 9.68% | 0.87% | 1.11% | 94.22% |
| March 31, 2025 | 9.32% | 0.74% | 1.01% | 93.67% |
Scroll sideways to see every column.
Watch flags
Automated conditions triggered on this credit union's latest NCUA 5300 filing. Advisory only, not a prediction. Each flag is tagged Regulatory when it cites an official NCUA threshold, or BRR analysis when it's our own band.
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
Source: NCUA 5300 Call Report, standardized by BankRegReports. Credit unions are insured by the National Credit Union Share Insurance Fund (NCUSIF), not the FDIC. See how often this data updates or learn more about our data.