Side-by-side · Q2 2026 data
First Technology Federal Credit Union vs Schoolsfirst Federal Credit Union
Credit union
First Technology Federal Credit Union
San Jose, California · Over $10 billion
Metric by metric
| Measure | First Technology Federal Credit Union | Schoolsfirst Federal Credit Union |
|---|---|---|
| TellerScore | 53 | 64 (stronger) |
| Capital cushion | 57 (stronger) | 45 |
| Loan quality | 46 | 70 (stronger) |
| Earnings | 31 | 55 (stronger) |
| Funding & liquidity | 69 | 88 (stronger) |
| Problem-loan coverage | 76 | 88 (stronger) |
| Peer percentile | 19th | 52nd |
| Total assets | $27.9B | $37.2B |
| Deposits / shares | $24.2B | $32.0B |
| Capital ratio | 10.75% (stronger) | 9.51% |
| Problem loans | 1.61% | 0.91% (stronger) |
| Net charge-offs | 1.46% | 1.03% (stronger) |
| Return on assets | 0.28% | 0.87% (stronger) |
| Loans ÷ deposits | 91.0% | 72.0% (stronger) |
| Uninsured deposits | 10.5% (stronger) | 11.2% |
| Offices | 16 | 30 |
| CFPB complaints (3 yrs) | 1,390 | 389 |
| Complaints per $1B deposits | 57.4 | 12.2 (stronger) |
| Mortgage denial rate (HMDA) | 15.5% | — |
Schoolsfirst Federal Credit Union has the higher TellerScore (64 vs 53). On the 8 directional measures above (where higher or lower is clearly better), First Technology Federal Credit Union leads on 2 and Schoolsfirst Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.