STANFORD
Charter #13392 · Palo Alto, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.96% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.46% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 2.83% sits at the 84th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.15% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.11% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | STANFORD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.80B | 80th pct | 75th pct |
| Members | 95,462 | 38th pct | 31th pct |
| Net worth ratio | 10.59% | 47th pct | 57th pct |
| Return on average assets | 0.96% | 70th pct | 75th pct |
| Net interest margin | 2.46% | 8th pct | 13th pct |
| Cost of funds | 2.83% | 93th pct | 84th pct |
| Loan-to-share | 92.77% | 72th pct | 59th pct |
| Delinquency 60+ days | 0.15% | 5th pct | 10th pct |
| Net charge-off ratio | 0.11% | 7th pct | 23th pct |
| Loan growth YoY | 0.21% | 30th pct | 28th pct |
| Share growth YoY | 8.57% | 90th pct | 92th pct |
| Efficiency ratio | 59.87% | 11th pct | 8th pct |
structural peer set hash: f343a777651e9feb2911c553f5bb8f8e… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.