First Technology
San Jose, CA · Charter 23521 · Peer group: credit unions any (n=25)
NCUA · 23 branches
Q2 2026
$27.9BAssets
$22.0BLoans
$24.2BShares
$3.0BNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 92% of credit unions any (rank 2 of 25).
- Widest gap: return on equity trails 100% of credit unions any (rank 25 of 25).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.28%
Rank 25 of 25
Net Interest Margin
4.11%
Rank 2 of 25
Efficiency Ratio
64.64%
Rank 16 of 25
Equity / Assets
10.75%
Rank 12 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.28% | 0.54% | 0.87% | 1.36% | Beats 0% | 25 / 25 | |
| Return on Equity | 2.59% | 5.49% | 9.20% | 10.99% | Beats 0% | 25 / 25 | |
| Net Interest Margin | 4.11% | 2.86% | 3.13% | 3.50% | Beats 92% | 2 / 25 | |
| Efficiency Ratio | 64.64% | 54.62% | 61.07% | 70.28% | Beats 40% | 16 / 25 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.61% | 0.64% | 0.92% | 1.30% | Beats 12% | 23 / 25 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.75% | 9.55% | 10.72% | 11.84% | Beats 52% | 12 / 25 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.75% | 9.55% | 10.72% | 11.84% | Beats 52% | 12 / 25 | |
| Liquidity & Funding |
| Loans / Deposits | 90.99% | 81.23% | 88.75% | 93.33% | 52nd pctl | 12 / 25 | |
| Loans / Assets | 78.98% | 68.82% | 78.26% | 79.51% | 56th pctl | 11 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |