Credit Union Safety Analysis
Is Technology Credit Union Safe? San Jose, California
Based on its Q2 2026 NCUA 5300 call report, Technology Credit Union has a net worth ratio of 11.32%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.57%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Technology Credit Union's net worth ratio is 11.32%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.32%
- Delinquency ratio (60+ days) (Q2 2026): 0.57%
- Return on assets (Q2 2026): 0.10%
- Loan-to-share ratio (Q2 2026): 93.17%
Technology Credit Union (NCUA charter 68383, established 1960) reported $4.54B in assets and 172,314 members for Q2 2026 from San Jose, California. It ranks 17 of 238 credit unions in California by total assets. Total assets fell 0.7% from $4.57B on June 30, 2025. It has 29,542 fewer members than on June 30, 2025 (-14.6%). Its net worth ratio was up 0.08 percentage points from 11.24% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.43B of $3.40B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.57% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 11.18% for Q1 2026; 11.24% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.54% for Q1 2026; 0.62% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.11% for Q1 2026; -0.07% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 91.18% for Q1 2026; 92.54% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $1.43B
- Other secured non-real estate loans and lines of credit: $1.24B
- Other unsecured loans and lines of credit: $283.5M
- Commercial loans: $228.7M
- Used vehicle loans: $131.4M
- New vehicle loans: $85.8M
- Unsecured credit card loans: $3.0M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $4.54B | 11.32% | 0.57% | 0.10% | 93.17% |
| March 31, 2026 | $4.66B | 11.18% | 0.54% | 0.11% | 91.18% |
| December 31, 2025 | $4.65B | 11.21% | 0.63% | 0.06% | 91.74% |
| September 30, 2025 | $4.53B | 11.35% | 0.54% | 0.19% | 93.58% |
| June 30, 2025 | $4.57B | 11.24% | 0.62% | -0.07% | 92.54% |
| March 31, 2025 | $4.66B | 11.02% | 0.59% | -0.06% | 87.01% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Technology Credit Union profile
Regulator records: NCUA credit union profile (charter 68383) · FFIEC NIC profile (RSSD 171889)
Frequently asked questions
Is Technology Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Technology Credit Union's net worth ratio is 11.32%, above the 7% NCUA threshold for well capitalized.
Is Technology Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Technology Credit Union is a federally insured credit union (NCUA charter 68383): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Technology Credit Union's key safety ratios?
For Q2 2026, Technology Credit Union reports net worth 11.32%, delinquency 0.57%, ROA 0.10%, loan-to-share 93.17%.
What happens to my money if Technology Credit Union fails?
For Q2 2026, Technology Credit Union held $3.65B in shares and deposits for 172,314 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.