FIRST TECHNOLOGY

Charter #19976 | CA

10B+ (21 CUs) Titans (21 CUs)
3 10B+ in CA

FIRST TECHNOLOGY has 4 strengths but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 26.7% in tier
  • + Organic Growth Leader: Top 31.4% in tier
  • + Organic Growth Engine: Top 31.5% in tier
  • + Share Certificate Concentration (%): Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 0.0% in tier
  • - Deposit Outflow: Bottom 0.0% in tier
  • - Wealth Migration Risk: Bottom 0.0% in tier
  • - Shrinking Wallet Share: Bottom 5.0% in tier
  • - Growth-at-Risk: Bottom 14.6% in tier
  • - Liquidity Strain: Bottom 15.6% in tier
  • - Capital Constraint: Bottom 25.0% in tier
  • - ROA 0.53% below tier average
  • - Efficiency ratio 3.00% above tier (higher cost structure)
  • - Delinquency rate 0.58% above tier average
  • - Deposit Growth Rate: Bottom 9.5% in tier
  • - AMR Growth Rate: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 712,057
+0.5% YoY+1.1% QoQ
 -1.1M 1,822,416
+4.1% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Bottom 19.0% in tier
Assets $16.9B
-3.6% YoY-1.1% QoQ
 $-11.8B $28.7B
+4.2% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 43rd in tier
Loans $12.2B
+0.6% YoY-0.3% QoQ
 $-8.9B $21.1B
+5.8% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 38th in tier
Deposits $12.1B
-4.3% YoY+2.6% QoQ
 $-12.4B $24.4B
+7.2% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 29th in tier
ROA 0.2%
+154.4% YoY-32.5% QoQ
 -0.5% 0.8%
+17.7% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 0.0% in tier
NIM 2.8%
+20.4% YoY+2.1% QoQ
 -0.3% 3.1%
+10.6% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 38th in tier
Efficiency Ratio 67.3%
-7.4% YoY-0.7% QoQ
 +3.0% 64.3%
-4.3% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 62nd in tier
Delinquency Rate 1.8%
+107.7% YoY+14.7% QoQ
 +0.6 1.2%
+9.7% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Top 19.0% in tier
Loan To Share 100.7%
+5.2% YoY-2.9% QoQ
 +10.9% 89.8%
-0.3% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Top 23.8% in tier
AMR $34,046
-2.4% YoY+0.0% QoQ
 +$3K $31,184
+7.8% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 23.8% in tier
CD Concentration 24.4%
+0.7% YoY+0.5% QoQ
 -7.5% 31.9%
+2.0% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 Bottom 9.5% in tier
Indirect Auto % 10.3%
-8.7% YoY-3.2% QoQ
 -3.9% 14.2%
-8.9% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 43rd in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#9 of 10 • Top 26.7% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.23%
(Tier: 0.76%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 0.51%
(Tier: 3.59%, National: 9.37%)
but worse than tier avg
10 of 21 Titans CUs have this signature | 852 nationally
→ Stable (10→10 CUs)

Organic Growth Leader

growth
#12 of 12 • Top 31.4% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.51%
(Tier: 3.59%, National: 9.37%)
but worse than tier avg
12 of 21 Titans CUs have this signature | 608 nationally
→ Stable (11→12 CUs) +1 CUs YoY | Rank worsening

Organic Growth Engine

growth
#18 of 18 • Top 31.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.51%
(Tier: 3.59%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.23%
(Tier: 0.76%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 10.30%
(Tier: 14.25%, National: 7.90%)
better than tier avg
18 of 21 Titans CUs have this signature | 917 nationally
→ Stable (18→18 CUs) | Rank worsening

Concerns (7)

Credit Quality Pressure

risk
#1 of 15 • Bottom 0.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.91% points
(Tier: 0.10% points, National: 0.07% points)
worse than tier avg
15 of 21 Titans CUs have this signature | 1002 nationally
↓ Shrinking -6 CUs YoY | Rank improving

Deposit Outflow

decline
#1 of 1 • Bottom 0.0% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -4.34%
(Tier: 6.48%, National: 12.00%)
worse than tier avg
Total Assets: $16.87B
(Tier: $28.72B, National: $547.69M)
worse than tier avg
1 of 21 Titans CUs have this signature | 143 nationally
→ Stable (4→1 CUs) -3 CUs YoY | New qualifier

Wealth Migration Risk

decline
#1 of 1 • Bottom 0.0% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature
Avg Member Relationship: $34.0K
(Tier: $31.2K, National: $19.4K)
but better than tier avg
AMR Growth (YoY): -2.43%
(Tier: 2.80%, National: 4.19%)
worse than tier avg
Total Assets: $16.87B
(Tier: $28.72B, National: $547.69M)
worse than tier avg
1 of 21 Titans CUs have this signature | 39 nationally
→ Stable (3→1 CUs) -2 CUs YoY

Shrinking Wallet Share

decline
#2 of 4 • Bottom 5.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -2.43%
(Tier: 2.80%, National: 4.19%)
worse than tier avg
4 of 21 Titans CUs have this signature | 346 nationally
↓ Shrinking -9 CUs YoY

Growth-at-Risk

risk
#7 of 14 • Bottom 14.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 0.59%
(Tier: 6.37%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.91% points
(Tier: 0.10% points, National: 0.07% points)
worse than tier avg
14 of 21 Titans CUs have this signature | 646 nationally
→ Stable (13→14 CUs) +1 CUs YoY | New qualifier

Liquidity Strain

risk
#6 of 11 • Bottom 15.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 100.74%
(Tier: 89.80%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 0.59%
(Tier: 6.37%, National: 36.38%)
worse than tier avg
11 of 21 Titans CUs have this signature | 484 nationally
→ Stable (11→11 CUs)

Capital Constraint

risk
#2 of 2 • Bottom 25.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature
Loan-to-Share Ratio: 100.74%
(Tier: 89.80%, National: 67.96%)
but better than tier avg
Deposit Growth (YoY): -4.34%
(Tier: 6.48%, National: 12.00%)
worse than tier avg
Net Worth Ratio: 10.06%
(Tier: 10.22%, National: 14.51%)
worse than tier avg
2 of 21 Titans CUs have this signature | 29 nationally
→ Stable (1→2 CUs) +1 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 21 peers in tier

Top Strengths (4 metrics)

3
Share Certificate Concentration (%)
balance_sheet
Value: 24.43%
Peer Avg: 31.91%
#3 of 21 Top 9.5% in 10B+ tier
5
Loan-to-Share Ratio
balance_sheet
Value: 100.74%
Peer Avg: 89.80%
#5 of 21 Top 19.0% in 10B+ tier
5
Average Member Relationship (AMR)
engagement
Value: $34,046
Peer Avg: $31,184
#5 of 21 Top 19.0% in 10B+ tier
6
Loan-to-Member Ratio (LMR)
engagement
Value: $17,086
Peer Avg: $14,676
#6 of 21 Top 23.8% in 10B+ tier

Top Weaknesses (9 metrics)

21
Return on Assets (ROA)
profitability
Value: 0.23%
Peer Avg: 0.76%
#21 of 21 Bottom 4.8% in 10B+ tier
20
Deposit Growth Rate
growth
Value: -4.34%
Peer Avg: 6.48%
#20 of 21 Bottom 9.5% in 10B+ tier
20
AMR Growth Rate
growth
Value: -2.43%
Peer Avg: 2.80%
#20 of 21 Bottom 9.5% in 10B+ tier
19
Asset Growth Rate
growth
Value: -3.64%
Peer Avg: 4.36%
#19 of 21 Bottom 14.3% in 10B+ tier
19
Loan Growth Rate
growth
Value: 0.59%
Peer Avg: 6.37%
#19 of 21 Bottom 14.3% in 10B+ tier
19
Net Charge-Off Rate
risk
Value: 1.39%
Peer Avg: 0.85%
#19 of 21 Bottom 14.3% in 10B+ tier
18
Member Growth Rate
growth
Value: 0.51%
Peer Avg: 3.59%
#18 of 21 Bottom 19.0% in 10B+ tier
18
Total Delinquency Rate (60+ days)
risk
Value: 1.76%
Peer Avg: 1.18%
#18 of 21 Bottom 19.0% in 10B+ tier
17
Total Members
engagement
Value: 712,057
Peer Avg: 1,822,417
#17 of 21 Bottom 23.8% in 10B+ tier