Stanford Federal Credit Union
Total assets
$4.80B
▲ +9.2% YoY
Shares & deposits
$3.71B
▲ +9.6% YoY
Loans
$3.44B
▲ +3.0% YoY
Members
95,462
▲ +3.3% YoY
ROA (annualized)
0.94%
peers 0.71%
ROE (annualized)
8.89%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.2% | +5.1% | +4.1 pts |
| Share growth (YoY) | +9.6% | +4.9% | +4.8 pts |
| Loan growth (YoY) | +3.0% | +5.4% | -2.5 pts |
| ROA | 0.94% | 0.71% | +0.2 pts |
| ROE | 8.9% | 6.3% | +2.6 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
Profile
- Established
- 1959
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 1860 Embarcadero Road, Palo Alto, CA, 94303
- NCUA charter #
- 13392
- RSSD ID
- 640880
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.80B | $3.71B | $3.44B | $508.5M | $11.3M | 0.94% | 2.42% | 0.15% | 95,462 |
| Q4 2025 | $4.66B | $3.62B | $3.44B | $497.3M | $42.4M | 0.91% | 2.39% | 0.21% | 94,752 |
| Q3 2025 | $4.55B | $3.42B | $3.43B | $486.1M | $31.3M | 0.92% | 2.44% | 0.11% | 95,345 |
| Q2 2025 | $4.31B | $3.28B | $3.41B | $475.1M | $20.2M | 0.94% | 2.52% | 0.10% | 93,366 |
| Q1 2025 | $4.39B | $3.38B | $3.34B | $463.9M | $9.0M | 0.82% | 2.40% | 0.12% | 92,425 |
| Q4 2024 | $4.33B | $3.29B | $3.32B | $454.9M | $36.5M | 0.84% | 2.22% | 0.17% | 91,306 |
| Q3 2024 | $4.32B | $3.28B | $3.26B | $445.6M | $27.3M | 0.84% | 2.21% | 0.17% | 90,629 |
| Q2 2024 | $4.19B | $3.16B | $3.26B | $436.6M | $18.2M | 0.87% | 2.25% | 0.15% | 89,311 |
Loan mix (Q1 2026): real estate $2.77B · commercial $456.4M · consumer $216.8M · securities $558.0M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 0.71% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 6.3% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.42% | 3.32% | 8th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.9% | 73.0% | 10th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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