TECHNOLOGY
Charter #68383 · SAN JOSE, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 174,822 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.11% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 2.48% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 2.62% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.79% sits at the 93rd 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 | TECHNOLOGY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.66B | 79th pct | 82th pct |
| Members | 174,822 | 67th pct | 75th pct |
| Net worth ratio | 11.18% | 59th pct | 66th pct |
| Return on average assets | 0.11% | 6th pct | 10th pct |
| Net interest margin | 2.48% | 9th pct | 15th pct |
| Cost of funds | 2.62% | 88th pct | 77th pct |
| Loan-to-share | 91.18% | 66th pct | 56th pct |
| Delinquency 60+ days | 0.54% | 42th pct | 54th pct |
| Net charge-off ratio | 0.79% | 74th pct | 93th pct |
| Loan growth YoY | 1.23% | 42th pct | 43th pct |
| Share growth YoY | 3.90% | 46th pct | 58th pct |
| Efficiency ratio | 78.68% | 73th pct | 57th pct |
structural peer set hash: 869dfaf4cd6440ddf354af4b7bec2a1e… (reproducible)
Closest structural peers
This is the free public view
Claim TECHNOLOGY
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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.