Headquartered in San Jose, California, Technology Credit Union is a federally insured state-chartered credit union with $4.5B in total assets and $3.6B in member shares and deposits as of Q2 2026. It operates 11 offices across 3 states. Its charter dates back to 1960.
Based on its Q2 2026 filing, Technology Credit Union scores 62/100, which we describe as moderate. That is higher than only 30% of 454 credit unions with $1 billion – $10 billion. Among 238 credit unions headquartered in California, it ranks 162nd. Its strongest component is problem-loan coverage (92/100; 3.8%), and its lowest is earnings (24/100; 0.11%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (61 → 62).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 63 |
| Q4 2024 | 61 |
| Q1 2025 | 61 |
| Q2 2025 | 61 |
| Q3 2025 | 63 |
| Q4 2025 | 61 |
| Q1 2026 | 63 |
| Q2 2026 | 62 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.29% |
| Q3 2024 | 11.16% |
| Q4 2024 | 10.95% |
| Q1 2025 | 11.02% |
| Q2 2025 | 11.24% |
| Q3 2025 | 11.35% |
| Q4 2025 | 11.21% |
| Q1 2026 | 11.18% |
| Q2 2026 | 11.32% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.55% |
| Q3 2024 | 0.62% |
| Q4 2024 | 0.76% |
| Q1 2025 | 0.59% |
| Q2 2025 | 0.62% |
| Q3 2025 | 0.54% |
| Q4 2025 | 0.63% |
| Q1 2026 | 0.54% |
| Q2 2026 | 0.57% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.13% |
| Q3 2024 | 0.08% |
| Q4 2024 | 0.02% |
| Q1 2025 | -0.06% |
| Q2 2025 | -0.07% |
| Q3 2025 | 0.02% |
| Q4 2025 | 0.03% |
| Q1 2026 | 0.11% |
| Q2 2026 | 0.11% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $4.5B | 11.32% | 0.57% | 0.11% | 93.2% |
| Q1 2026 | 63 | $4.7B | 11.18% | 0.54% | 0.11% | 91.2% |
| Q4 2025 | 61 | $4.6B | 11.21% | 0.63% | 0.03% | 91.7% |
| Q3 2025 | 63 | $4.5B | 11.35% | 0.54% | 0.02% | 93.6% |
| Q2 2025 | 61 | $4.6B | 11.24% | 0.62% | -0.07% | 92.5% |
| Q1 2025 | 61 | $4.7B | 11.02% | 0.59% | -0.06% | 87.0% |
| Q4 2024 | 61 | $4.8B | 10.95% | 0.76% | 0.02% | 84.8% |
| Q3 2024 | 63 | $4.7B | 11.16% | 0.62% | 0.08% | 86.4% |
| Q2 2024 | 64 | $4.6B | 11.29% | 0.55% | 0.13% | 89.8% |
454 peers · $1 billion – $10 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Stanford Federal Credit UnionCredit union Palo Alto, CA | 73 out of 100, Strong | $4.6B | 11.2% | 0.21% | vs |
| Safe Credit UnionCredit union Folsom, CA | 71 out of 100, Strong | $4.4B | 10.8% | 0.52% | vs |
| Valley Strong Credit UnionCredit union Bakersfield, CA | 51 out of 100, Below average | $4.1B | 9.3% | 1.94% | vs |
| Credit Union of Southern Ca, aCredit union Anaheim, CA | 75 out of 100, Strong | $4.0B | 11.3% | 0.60% | vs |
| Nuvision Federal Credit UnionCredit union Huntington Beac, CA | 70 out of 100, Strong | $4.0B | 12.0% | 0.62% | vs |
| Chevron Federal Credit UnionCredit union Concord, CA | 81 out of 100, Strong | $5.4B | 12.4% | 0.38% | vs |
Deposit insurance
Is my money safe at Technology Credit Union?
Yes. Technology Credit Union is a federally insured credit union (NCUA charter #68383). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 21.0% of shares and deposits ($766.8M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 11.32%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
11 locations
Branches
Technology Credit Union lists 11 offices in 9 cities across 3 states. Most locations:
- San Jose, CA (3)
- Austin, TX (1)
- Cupertino, CA (1)
- Dublin, CA (1)
- Fremont, CA (1)
- Meridian, ID (1)
- Milpitas, CA (1)
- Palo Alto, CA (1)
- Sunnyvale, CA (1)
HMDA 2025
Mortgage lending
In 2025, Technology Credit Union reported 1,080 home-loan applications under HMDA (LEI 5493007VGBHF6SRXRR53): 684 originated ($346,660,000 total), 209 denied, and 61 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.5%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Technology Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68383
- RSSD ID
- 171889
- Primary regulator
- State + NCUA
- Established
- 1960
- Headquarters
- 2010 N 1st St, San Jose, CA 95131
- Employees
- 349
Quick answers
Technology Credit Union: common questions
Is Technology Credit Union NCUA insured?
Yes. Technology Credit Union is a federally insured credit union (NCUA charter #68383). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Technology Credit Union's TellerScore?
62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Technology Credit Union have?
11 offices as of the latest NCUA data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near San Jose
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Certified Federal Credit UnionCredit union El Monte, CA | 88 out of 100, Very strong | $925.3M | 20.7% | 0.37% | vs |
| GBC International BankBank Los Angeles, CA | 83 out of 100, Strong | $658.5M | 15.9% | 0.26% | vs |
| F3 Credit UnionCredit union San Jose, CA | 80 out of 100, Strong | $236.8M | 18.5% | 1.05% | vs |
| Commonwealth Central Credit UnionCredit union San Jose, CA | 80 out of 100, Strong | $624.9M | 14.2% | 0.41% | vs |
| Star One Credit UnionCredit union Sunnyvale, CA | 77 out of 100, Strong | $9.7B | 14.1% | 0.13% | vs |