Federal credit union · Palo Alto, California · NCUA charter #13392
STANFORD
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $4.66B
- Total assets
- 94,752
- Members
- 10.6%
- Net-worth ratio
STANFORD scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.66B; members 94,752; net-worth ratio 10.59%; health rank #280 of 4,374; healthier than 93rd of scored peers.
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STANFORD vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); STANFORD sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
STANFORD: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +11.25 pp (95.15% vs 83.90%).
- Largest lag: Net Worth Ratio at 10.59% vs peer 11.18% (-0.59 pp).
California standing for STANFORD
- California health ordinal: #23 of 243.
- California assets place: #16 of 243.
- Member book place in California: #35 of 243.
- One place up in California, 1st Northern California (#22) ties at 96/100; one place down, CABRILLO (#24) ties at 96/100.
How STANFORD's 5300 filing moved
STANFORD: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $4.66B (2025Q4) to $4.80B (2026Q1).
- Net-worth ratio shifted -0.08 pp (10.67% → 10.59%).
10.59% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 96/100 score is built
STANFORD gives up 4 points in total. Loan-to-Share Ratio costs the most, 2.3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.5 pts
- Loan-to-Share Ratio 12.5 pts
Call Report ratios for STANFORD
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.59% | -0.59 pp |
| Delinquency Rate | 0.21% | -0.66 pp |
| Return on Assets | 0.78% | +0.27 pp |
| Member Growth | 3.77% | - |
| Loan-to-Share Ratio | 95.15% | +11.25 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - STANFORD
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.80B | - |
| 2025Q4 | $4.66B | 94,752 |
| 2024Q4 | $4.33B | 91,306 |
| 2023Q4 | $4.15B | 88,446 |
Credit Union Details
- Charter Number
- 13392
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- California
- City
- Palo Alto
- Data Quarter
- 2025Q4
Branch Locations (6)
STANFORD operates 6 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Palo Alto, CA |
| University Ave | Palo Alto, CA |
| Redwood City | Redwood City, CA |
| Pampas Lane | Stanford, CA |
| Tresidder Center | Stanford, CA |
| Medical Center | Stanford, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near STANFORD
Similar total assets
Similar health score
Using this data
- STANFORD ranks #280 of 4,374 nationally on financial health and #23 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TECHNOLOGY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TECHNOLOGY
Frequently Asked Questions
Is STANFORD financially healthy?
On its 2025Q4 NCUA 5300 filing, STANFORD scores 96/100 (Excellent), with a 10.59% net worth ratio and 0.21% of loans delinquent. It ranks #280 of 4,374 nationally on health and #23 of 243 in California.
How does STANFORD compare to other credit unions?
STANFORD scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (95.15% vs 83.90%). Its widest shortfall is net worth ratio (10.59% vs 11.18%).
How can I join STANFORD?
STANFORD operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact STANFORD directly for the exact boundaries and application steps.
Is my money safe at STANFORD?
STANFORD is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. STANFORD's net worth ratio of 10.59% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.