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First Technology Federal Credit Union
Data as of
September 30, 2021
Risk Based
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Major Rating Factors: A current level of 1.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Excellent current capitalization (9.1 on a scale of 0 to 10) based on a net capital to total assets of 10.8 and a net worth ratio of 10.4.
Other Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.4 has resulted in Good (6.5) profitability.
Asset Mix: Home mtgs (32%), consumer loans (20%), other (48%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
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1-Year Asset Growth
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Operating Profit to Average Assets
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Hot Money
Corporate Info
Address
2702 Orchard Parkway
San Jose, CA 95134
Phone Number
(855) 855-8805
NCUA Charter Number
Weiss Ratings