PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Stanford

Palo Alto, CA · Charter 13392

NCUA · 6 branches

Q2 2026

$4.6BAssets
$3.5BLoans
$3.6BShares
$520.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.01%, up 7 bps year over year; NIM at 2.51%.
  • Asset quality: problem loans at 0.21% of loans (+10 bps YoY).
  • Capital: net worth / assets of 11.21%, up 19 bps from a year ago.
  • Funding: loans stand at 96.68% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.01%+7 bps YoY

Net Interest Margin (YTD, annualized)

2.51%-1 bps YoY

Efficiency Ratio (YTD, annualized)

58.90%-163 bps YoY

Net Worth / Assets

11.21%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%0.92%0.91%0.94%1.01%+7 bps
Return on Equity8.52%8.58%8.52%8.89%8.97%+44 bps
Net Interest Margin2.52%2.44%2.39%2.42%2.51%-1 bps
Efficiency Ratio60.54%60.16%59.88%59.87%58.90%-163 bps
Growth
Asset Growth (YoY)3.02%5.36%7.63%9.23%7.68%+466 bps
Loan Growth (YoY)4.56%5.31%3.88%2.95%2.32%-225 bps
Share Growth (YoY)3.84%4.19%9.94%9.62%9.95%+610 bps
Asset Quality
Delinquent Loans / Loans0.10%0.11%0.21%0.15%0.21%+10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.02%10.69%10.67%10.59%11.21%+19 bps
Net Worth / Assets11.02%10.69%10.67%10.59%11.21%+19 bps
Liquidity & Funding
Loans / Shares103.88%100.51%95.15%92.77%96.68%-721 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps