Stanford Federal Credit Union Palo Alto, California
Stanford Federal Credit Union is a federal credit union headquartered in Palo Alto, CA, established in 1959 (NCUA charter 13392), and it is regulated and insured by the NCUA. At Q2 2026 it reported 95,997 members and total assets of $4.64B (up 7.7% from Q2 2025), the 16th largest of 238 credit unions headquartered in California. Its net worth ratio was 11.21% at Q2 2026, in the well capitalized band.
Also written as Stanford FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 13392
- Headquarters
- Palo Alto, CA
- Established
- 1959
- Total assets, Q2 2026
- $4.64B
- Assets vs Q2 2025
- +7.7%
- Members, Q2 2026
- 95,997
- Net worth ratio, Q2 2026
- 11.21%
- Latest call report
- Q2 2026, NCUA 5300 · Stanford Federal Credit Union call report
- Asset rank in state
- 16th of 238 in California
- Routing number
- 321177722
- Branches
- 6
It has 2,631 more members than on June 30, 2025 (+2.8%). Its net worth ratio was up 0.19 percentage points from 11.02% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $2.82B of $3.49B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.21% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 11.21% net worth ratio is above that band's 10.89% median.
Frequently asked about Stanford Federal Credit Union
How big is Stanford Federal Credit Union?
At Q2 2026 it reported total assets of $4.64B and 95,997 members.
Where is Stanford Federal Credit Union headquartered?
It is headquartered in Palo Alto, CA, United States.
When was Stanford Federal Credit Union founded?
It was established in 1959, per NCUA records.
Is Stanford Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 13392): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Stanford Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Stanford Federal Credit Union well capitalized?
Its net worth ratio was 11.21% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Stanford Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.21% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Stanford Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 96.68% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Palo Alto, CA 94303
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1959
- NCUA Charter #
- 13392
- RSSD ID
- 640880
- Members
- 95,997
- Potential members
- 1,344,353
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 11.21% | 10.89% | 55th above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.04% | 0.89% | 60th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 9.25% | 8.07% | 60th above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 2.52% | 3.45% | under 10th bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 57.94% | 70.59% | 87th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.25% | 1.68% | 15th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.21% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.77% | 5.12% | 29th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 96.68% | 88.03% | 78th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.64B total assets against $4.31B; $3.61B total shares and deposits against $3.28B; $3.49B total loans against $3.41B.
$520.6M net worth against $475.1M.
11.21% net worth ratio against 11.02%.
96.68% loan-to-share ratio against 103.88%.
0.21% delinquency ratio against 0.10%.
1.04% return on assets against 1.04%; 9.25% return on equity against 9.48%.
2.52% net interest margin against 2.60%.
95,997 members against 93,366.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.21% | 1.04% | 0.21% | 96.68% |
| March 31, 2026 | 10.59% | 0.94% | 0.15% | 92.77% |
| December 31, 2025 | 10.67% | 0.95% | 0.21% | 95.15% |
| September 30, 2025 | 10.69% | 0.97% | 0.11% | 100.51% |
| June 30, 2025 | 11.02% | 1.04% | 0.10% | 103.88% |
| March 31, 2025 | 10.55% | 0.82% | 0.12% | 98.79% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.