TECHNOLOGY

Charter #68383 | CA

3B-5B (76 CUs) Mid-Market (380 CUs)
10 3B-5B in CA

TECHNOLOGY has 4 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 3.5% in tier
  • + Wallet Share Momentum: Top 7.9% in tier
  • + Average Member Relationship (AMR): Top 9.2% in tier
  • + Loan-to-Member Ratio (LMR): Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Capital Constraint: Bottom 3.0% in tier
  • - Membership Headwinds: Bottom 3.3% in tier
  • - Stagnation Risk: Bottom 13.0% in tier
  • - Efficiency Drag: Bottom 20.7% in tier
  • - Liquidity Strain: Bottom 28.6% in tier
  • - ROA 0.73% below tier average
  • - Efficiency ratio 10.25% above tier (higher cost structure)
  • - Member decline: -9.9% YoY
  • - Member Growth Rate: Bottom 2.6% in tier
  • - Fee Income Per Member: Bottom 3.9% in tier
  • - Deposit Growth Rate: Bottom 5.3% in tier
  • - Net Interest Margin (NIM): Bottom 9.2% in tier
  • - Asset Growth Rate: Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 181,137
-9.9% YoY-10.3% QoQ
 -57.3K 238,465
+0.6% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 29th in tier
Assets $4.5B
-4.6% YoY-0.9% QoQ
 +$561.2M $4.0B
-0.1% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Top 19.7% in tier
Loans $3.4B
+1.3% YoY-0.3% QoQ
 +$369.9M $3.0B
+3.3% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 72nd in tier
Deposits $3.6B
-6.5% YoY-1.4% QoQ
 +$288.2M $3.3B
+1.1% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 71st in tier
ROA 0.0%
-77.1% YoY-127.3% QoQ
 -0.7% 0.7%
+5.3% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 7.9% in tier
NIM 2.3%
+4.0% YoY+4.2% QoQ
 -0.9% 3.2%
+13.7% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 7.9% in tier
Efficiency Ratio 81.5%
+4.4% YoY-0.4% QoQ
 +10.3% 71.3%
-0.6% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 13.2% in tier
Delinquency Rate 0.5%
-12.7% YoY-12.3% QoQ
 -0.3 0.8%
+15.9% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 45th in tier
Loan To Share 93.6%
+8.3% YoY+1.1% QoQ
 +2.7% 90.8%
+2.0% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 53rd in tier
AMR $38,701
+7.8% YoY+10.5% QoQ
 +$10K $29,088
+0.1% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 10.5% in tier
CD Concentration 40.4%
+2.1% YoY+0.0% QoQ
 +11.4% 29.0%
+0.8% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 Top 10.6% in tier
Indirect Auto % 5.4%
+115.3% YoY-6.5% QoQ
 -13.4% 18.8%
-2.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 26th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#26 of 264 • Top 3.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 7.77%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.9K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Wallet Share Momentum

growth
#58 of 264 • Top 7.9% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.77%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (5)

Capital Constraint

risk
#2 of 9 • Bottom 3.0% 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: 93.58%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Deposit Growth (YoY): -6.47%
(Tier: 6.24%, National: 12.00%)
worse than tier avg
Net Worth Ratio: 11.35%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
9 of 380 Mid-Market CUs have this signature | 29 nationally
↓ Shrinking -9 CUs YoY | New qualifier

Membership Headwinds

decline
#9 of 85 • Bottom 3.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -9.88%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Stagnation Risk

risk
#32 of 85 • Bottom 13.0% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.02%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -9.88%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $38.7K
(Tier: $29.2K, National: $19.4K)
but better than tier avg
CD Concentration: 40.40%
(Tier: 28.98%, National: 19.60%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Efficiency Drag

risk
#69 of 96 • Bottom 20.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 81.52%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.06% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -9.88%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | New qualifier

Liquidity Strain

risk
#151 of 183 • Bottom 28.6% in tier

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

Why This Signature
Loan-to-Share Ratio: 93.58%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 1.29%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 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 76 peers in tier

Top Strengths (6 metrics)

8
Average Member Relationship (AMR)
engagement
Value: $38,701
Peer Avg: $29,088
#8 of 76 Top 9.2% in 3B-5B tier
8
Loan-to-Member Ratio (LMR)
engagement
Value: $18,709
Peer Avg: $13,761
#8 of 76 Top 9.2% in 3B-5B tier
10
AMR Growth Rate
growth
Value: 7.77%
Peer Avg: 2.07%
#10 of 76 Top 11.8% in 3B-5B tier
15
Indirect Auto Concentration (%)
balance_sheet
Value: 5.38%
Peer Avg: 20.57%
#15 of 76 Top 18.4% in 3B-5B tier
15
Members Per Employee (MPE)
engagement
Value: 517.534
Peer Avg: 433.941
#15 of 76 Top 18.4% in 3B-5B tier
15
Total Assets
balance_sheet
Value: $4.53B
Peer Avg: $3.97B
#15 of 76 Top 18.4% in 3B-5B tier

Top Weaknesses (9 metrics)

75
Member Growth Rate
growth
Value: -9.88%
Peer Avg: 7.02%
#75 of 76 Bottom 2.6% in 3B-5B tier
74
Fee Income Per Member
profitability
Value: $66.12
Peer Avg: $191.96
#74 of 76 Bottom 3.9% in 3B-5B tier
73
Deposit Growth Rate
growth
Value: -6.47%
Peer Avg: 8.84%
#73 of 76 Bottom 5.3% in 3B-5B tier
70
Return on Assets (ROA)
profitability
Value: 0.02%
Peer Avg: 0.75%
#70 of 76 Bottom 9.2% in 3B-5B tier
70
Net Interest Margin (NIM)
profitability
Value: 2.30%
Peer Avg: 3.20%
#70 of 76 Bottom 9.2% in 3B-5B tier
70
Asset Growth Rate
growth
Value: -4.58%
Peer Avg: 7.42%
#70 of 76 Bottom 9.2% in 3B-5B tier
67
Efficiency Ratio
profitability
Value: 81.52%
Peer Avg: 71.26%
#67 of 76 Bottom 13.2% in 3B-5B tier
64
Share Certificate Concentration (%)
balance_sheet
Value: 40.40%
Peer Avg: 30.70%
#64 of 76 Bottom 17.1% in 3B-5B tier
60
Loan Growth Rate
growth
Value: 1.29%
Peer Avg: 9.56%
#60 of 76 Bottom 22.4% in 3B-5B tier