First Technology

SAN JOSE, CA · 1 · Charter #19976 · www.firsttechfed.com
Large (>$10B)Reporting period: Q4 2025Peer group: 21 CUs

Performance vs peers

Percentile rank within the Large (>$10B) peer group (21 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$16.4B
43th percentile
Members
709,298
19th percentile
Total loans
$12.1B
33th percentile
Total shares
$12.0B
29th percentile

Profitability

Return on assets
0.54%
24th percentile
Net interest margin
2.95%
48th percentile
Efficiency ratio
40.21%
67th percentile
Non-interest income ratio
14.01%
38th percentile

Capital & Risk

Net worth ratio
10.27%
67th percentile
Delinquency rate
1.53%
24th percentile
Net charge-off rate
1.32%
14th percentile
Loan-to-share
101.26%
86th percentile

Growth

Member growth YoY
1.90%
24th percentile
Asset growth YoY
-5.33%
5th percentile
Loan growth YoY
-0.46%
10th percentile
Share growth YoY
3.14%
14th percentile

Operations

Members / branch
19,170
65th percentile
Assets / member
$23,187
76th percentile
Field of membership penetration
8.17%
43th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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