TellerScore

Stanford Federal Credit Union is a federal credit union headquartered in Palo Alto, California, in business for about 67 years. At the end of Q2 2026 it reported $4.6B in total assets and $3.6B in member shares and deposits, with 6 offices.

Based on its Q2 2026 filing, Stanford Federal Credit Union scores 73/100, which we describe as strong. That is higher than 70% of 454 credit unions with $1 billion – $10 billion. Among 238 credit unions headquartered in California, it ranks 100th. Its strongest component is problem-loan coverage (97/100; 1.5%), and its lowest is earnings (60/100; 1.01%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Net worth ratio: 11.21%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.21%
Earnings60/100
Return on assets (annualized): 1.01%
Funding & liquidity61/100
Loans ÷ shares: 96.7% · 17.5% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.50%

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 (72 → 73).

TellerScore
697173Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202469
Q4 202469
Q1 202570
Q2 202572
Q3 202571
Q4 202571
Q1 202672
Q2 202673
Net worth ratio
7.00%9.11%11.21%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.43%
Q3 202410.32%
Q4 202410.50%
Q1 202510.55%
Q2 202511.02%
Q3 202510.69%
Q4 202510.67%
Q1 202610.59%
Q2 202611.21%
Delinquent loans (60+ days)
0.10%0.16%0.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.15%
Q3 20240.17%
Q4 20240.17%
Q1 20250.12%
Q2 20250.10%
Q3 20250.11%
Q4 20250.21%
Q1 20260.15%
Q2 20260.21%
Return on assets
0.82%0.91%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.87%
Q3 20240.84%
Q4 20240.84%
Q1 20250.82%
Q2 20250.94%
Q3 20250.92%
Q4 20250.91%
Q1 20260.94%
Q2 20261.01%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$4.6B11.21%0.21%1.01%96.7%
Q1 202672$4.8B10.59%0.15%0.94%92.8%
Q4 202571$4.7B10.67%0.21%0.91%95.2%
Q3 202571$4.5B10.69%0.11%0.92%100.5%
Q2 202572$4.3B11.02%0.10%0.94%103.9%
Q1 202570$4.4B10.55%0.12%0.82%98.8%
Q4 202469$4.3B10.50%0.17%0.84%100.7%
Q3 202469$4.3B10.32%0.17%0.84%99.4%
Q2 202469$4.2B10.43%0.15%0.87%103.2%

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).

Capital ratio11.21%
57th
Problem loans0.21%
95th
Net charge-offs0.14%
91st
Return on assets1.01%
68th
Loans to deposits96.7%
22nd
Uninsured deposits17.5%
7th
Loan-loss reserves0.00%
50th
Texas ratio1.5%
92nd

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Deposit insurance

Is my money safe at Stanford Federal Credit Union?

Yes. Stanford Federal Credit Union is a federally insured credit union (NCUA charter #13392). 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 17.5% of shares and deposits ($630.7M) 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 11.21%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Stanford Federal Credit Union lists 6 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Stanford Federal Credit Union reported 1,256 home-loan applications under HMDA (LEI 5493009Y8ROUG903AQ21): 1,010 originated ($561,510,000 total), 87 denied, and 118 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.6%, 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
Stanford Federal Credit Union
Type
Federal credit union
NCUA charter #
13392
RSSD ID
640880
Primary regulator
NCUA
Established
1959
Headquarters
1860 Embarcadero Road, Palo Alto, CA 94303
Employees
259

Quick answers

Stanford Federal Credit Union: common questions

Is Stanford Federal Credit Union NCUA insured?

Yes. Stanford Federal Credit Union is a federally insured credit union (NCUA charter #13392). 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 Stanford Federal Credit Union's TellerScore?

73 out of 100 (Strong), 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 Stanford Federal Credit Union have?

6 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Smw 104 Federal Credit UnionCredit union Livermore, CA89 out of 100, Very strong$117.9M12.7%0.32%vs
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GBC International BankBank Los Angeles, CA83 out of 100, Strong$658.5M15.9%0.26%vs
Pacific Service Credit UnionCredit union Concord, CA82 out of 100, Strong$1.3B15.5%0.35%vs