BlastPoint's Credit Union Scorecard
FIRST TECHNOLOGY
Charter #23521 · CA
FIRST TECHNOLOGY has 8 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 4.0% in tier
- + Organic Growth Engine: Top 8.0% in tier
- + Net Interest Margin 0.81% above tier average
- + Strong member growth: 59.2% YoY
- + Asset Growth Rate: Top 0.1% in tier
- + Loan Growth Rate: Top 0.1% in tier
- + Deposit Growth Rate: Top 0.1% in tier
- + AMR Growth Rate: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 4.0% in tier
- - Credit Quality Pressure: Bottom 8.0% in tier
- - Liquidity Strain: Bottom 48.0% in tier
- - ROA 0.75% below tier average
- - Efficiency ratio 3.08% above tier (higher cost structure)
- - Delinquency rate 0.59% above tier average
- - Net Charge-Off Rate: Bottom 8.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 25 credit unions with $10B+ in assets nationally, and 1 of 4 that size in California.
- Shares and deposits +112.7% year over year ($24.2B in shares and deposits).
- Membership: 1,870,858 members, +59.2% vs a year ago.
- Delinquency rate 1.61%.
- Return on assets 0.28%.
- Efficiency ratio 64.64% vs a 61.57% peer average.
- Loan-to-share ratio 90.99% vs a 87.50% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,870,858
+59.2% YoY+0.1% QoQ
|
+198.9K |
1,671,910
-4.2% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
84% |
| Assets |
$27.9B
+119.1% YoY-2.5% QoQ
|
+$220.9M |
$27.7B
+0.2% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
76% |
| Loans |
$22.0B
+105.4% YoY-0.4% QoQ
|
+$2.0B |
$20.0B
-0.9% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
80% |
| Deposits |
$24.2B
+112.7% YoY-1.6% QoQ
|
+$651.5M |
$23.5B
+0.4% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
76% |
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| ROA |
0.3%
-65.9% YoY-56.4% QoQ
|
-0.8% |
1.0%
+45.0% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 0.1% in tier |
| NIM |
4.1%
+4.4% YoY-0.2% QoQ
|
+0.8% |
3.2%
+5.4% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Top 8.0% in tier |
| Efficiency Ratio |
64.6%
+4.8% YoY+2.2% QoQ
|
+3.1% |
61.6%
-6.2% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
60% |
| Delinquency Rate |
1.6%
+45.0% YoY+31.2% QoQ
|
+0.6 |
1.0%
-2.7% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 12.0% in tier |
| Loan To Share |
91.0%
-3.4% YoY+1.2% QoQ
|
+3.5% |
87.5%
-3.0% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
52% |
| AMR |
$24,701
+31.3% YoY-1.2% QoQ
|
$-8K |
$32,850
+5.7% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
24% |
| CD Concentration |
21.2%
+37.7% YoY+5.1% QoQ
|
-9.0% | 30.2% | 22.2% | 20.0% | Bottom 12.0% in tier |
| Indirect Auto % |
6.8%
+83.6% YoY-2.2% QoQ
|
-8.1% | 15.0% | 9.2% | 7.7% | 24% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)