FIRST TECHNOLOGY
Charter #23521 · SAN JOSE, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of $1.87M ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.58% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.10% sits at the 84th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.23% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 2.37% sits at the 98th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FIRST TECHNOLOGY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $28.58B | 99th pct | 98th pct |
| Members | $1.87M | 99th pct | 98th pct |
| Net worth ratio | 10.51% | 44th pct | 39th pct |
| Return on average assets | 0.87% | 62th pct | 49th pct |
| Net interest margin | 5.58% | 100th pct | 95th pct |
| Cost of funds | 2.10% | 66th pct | 84th pct |
| Loan-to-share | 89.88% | 61th pct | 75th pct |
| Delinquency 60+ days | 1.23% | 88th pct | 77th pct |
| Net charge-off ratio | 2.37% | 99th pct | 98th pct |
| Loan growth YoY | 105.34% | 100th pct | 96th pct |
| Share growth YoY | 115.64% | 100th pct | 94th pct |
| Efficiency ratio | 63.24% | 20th pct | 25th pct |
structural peer set hash: 8efe965ff4cd548afb7faffbc9f74a08… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.