Stanford
Palo Alto, CA · Charter 13392 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 6 branches
Q2 2026
$4.6BAssets
$3.5BLoans
$3.6BShares
$520.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 95% of credit unions $1B-$10B in assets (rank 22 of 435).
- Widest gap: net interest margin trails 92% of credit unions $1B-$10B in assets (rank 399 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.01%
Rank 141 of 435
Net Interest Margin
2.51%
Rank 399 of 435
Efficiency Ratio
58.90%
Rank 45 of 435
Equity / Assets
11.21%
Rank 188 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.01% | 0.55% | 0.81% | 1.14% | Beats 68% | 141 / 435 | |
| Return on Equity | 8.97% | 5.12% | 7.41% | 9.70% | Beats 69% | 137 / 435 | |
| Net Interest Margin | 2.51% | 3.01% | 3.39% | 3.75% | Beats 8% | 399 / 435 | |
| Efficiency Ratio | 58.90% | 65.25% | 71.39% | 77.86% | Beats 90% | 45 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.45% | 0.69% | 1.05% | Beats 95% | 22 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.21% | 9.81% | 10.84% | 12.63% | Beats 57% | 188 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.21% | 9.81% | 10.84% | 12.63% | Beats 57% | 188 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 96.68% | 78.33% | 88.38% | 95.61% | 77th pctl | 98 / 435 | |
| Loans / Assets | 75.14% | 67.69% | 74.58% | 80.80% | 53rd pctl | 206 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |