San Jose, CA · Federal Credit Union · Chartered in CA
Who can join
Multiple select employee groups
Members
1,868,605
Net Worth Ratio
10.51%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$28.58B
Total Shares
$24.59B
Total Loans
$22.10B
Net Income
$45.1M
Net Worth Ratio
10.51%
≥7% = Well Capitalized
Members
1,868,605
Return on Assets
0.16%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.95%
$210.1M
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 5,627 | 3,339 | 861 | 59.3% | 15.3% |
| 2022 | 11,827 | 7,784 | 1,211 | 65.8% | 10.2% |
| 2021 | 14,962 | 10,221 | 892 | 68.3% | 6.0% |
Last 12 Months
591
Since 2018
1,734
all complaints on record
Monetary Relief
13%
% of complaints with monetary relief
Untimely Response
4%
% exceeding 15-day window
Monthly Complaints (2021–present)
Data through Jun 2026.Last 12 months shown — upgrade for full history.
San Jose Corporate
2890 Zanker Rd, San Jose, CA, 95134-2118
Not Open to Public
Acton
100 Powdermill Rd, Acton, MA, 01720
Hours: Mon., Tues., Wed., 9:00-5:00; Thurs. & Fri. 9:00-7:00; Sat. 9:00-3:00
Andover
209 N Main St, Andover, MA, 01810-3116
Mon., Tues., Wed., 9:00-5:00; Thurs. & Fri. 9:00-7:00; Sat. 9:00-3:00
Framingham
60 Worcester Rd, Framingham, MA, 01702-5312
Mon., Tues., Wed., 9:00-5:00; Thurs. & Fri. 9:00-7:00; Sat. 9:00-3:00
Franklin
500 W Central St, Franklin, MA, 02038-2902
Mon., Tues., Wed., 9:00-5:00; Thurs. & Fri. 9:00-7:00; Sat. 9:00-3:00
Marlborough East
279 Main St, Marlborough, MA, 01752-5503
Mon., Tues., Wed., 9:00-5:00; Thurs. & Fri. 9:00-7:00; Sat. 9:00-3:00
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<a href="https://bankscorer.com/credit-union/first-technology" target="_blank" rel="noopener">View FIRST TECHNOLOGY on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 89.9%· healthy range 60–80%
'22
'23
'24
'25
'26
2021–2025 locked
Full 2021–present history available — see pricing from $14/mo.
Marlborough Solomon Pond
865 Donald Lynch Blvd, Marlborough, MA, 01752
Mon., Tues., Wed., 9:00-5:00; Thurs. & Fri. 9:00-7:00; Sat. 9:00-3:00
Nashua
379 Amherst St, Nashua, NH, 03063-1226
Mon., Tues., Wed., 9:00-5:00; Thurs. & Fri. 9:00-7:00; Sat. 9:00-3:00
Tyngnsboro
378 Middlesex Rd, Tyngsboro, MA, 01879-1049
Mon., Tues., Wed., 9:00-5:00; Thurs. & Fri. 9:00-7:00; Sat. 9:00-3:00
Waltham
130 Lexington St, Waltham, MA, 02452-4633
Mon., Tues., Wed., 9:00-5:00; Thurs. & Fri. 9:00-7:00; Sat. 9:00-3:00
54 more locations not shown.