# STANFORD
Palo Alto, CA · NCUA charter 13392 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/stanford-13392

Who the members are: federal charter, multiple common bond, organized 1959. 95,462 members of 1,344,353 potential (7.1% of the field); checking penetration 93% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $4.80B |
| Members | 95,462 (3.3% YoY) |
| Full-time staff | 255 |
| Net worth | $508.5M |
| Net worth ratio | 10.6% (p48 of band) |
| ROA (annualized) | 0.94% (p71 of band) |
| Total delinquency | 0.15% (p5 of band) |
| Net charge-offs (annualized) | 0.11% (p7 of band) |
| Loans / shares | 93% (p72 of band) |
| Cash / assets | 15.9% |
| Borrowings / assets | 11.87% |
| Net interest margin | 2.42% (p8 of band) |
| Operating expense / assets | 1.55% (p3 of band) |
| Vehicles % of loans | 3% (p4 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 40% |
| Third-party paper % of net worth | 9% (p14 of band) |
| Vehicle delinquency | 0.28% (p17 of band) |
| Vehicle NCO | 0.22% (p5 of band) |
| Repossessed % of vehicle book | 0.07% (p50 of band) |
| Real estate % of loans | 80% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 90% |
| Core shares % of member funds | 43% |
| Certificates % of member funds | 46% |
| Average share balance | $19,101 |
| Participations bought / yr | $0 |
| Participations sold / yr | $35.6M |
| Participations outstanding | $36.6M |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $81,785 |
| Loans granted, annualized | $617.5M |

## Participation posture (from the same filings)

Bought $0 and sold $35.6M in the latest annualized quarter; $36.6M outstanding purchased (7.2% of net worth), $31.5M sold and retained. Sold in 4 and bought in 0 of the last 8 quarters. Shares 9.6% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | leaning on borrowings |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 2 | members leaving | net worth falling |
| 2018-09 | 2 | loans>95% of shares | members leaving |
| 2018-12 | 2 | delinquency rising | loans>95% of shares |
| 2019-03 | 2 | net worth falling | delinquency rising |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 2 | thin capital |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | thin capital |
| 2021-09 | 1 |  |  |
| 2021-12 | 3 | thin capital, net worth falling |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 1 |  | thin capital, net worth falling |
| 2022-09 | 2 | loans>95% of shares |  |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | delinquency rising |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | net worth falling |  |
| 2026-03 | 2 |  | loans>95% of shares |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-16 [Stanford Federal Credit Union settles banking fees class action for $450,000 - Claim Depot](https://news.google.com/rss/articles/CBMiakFVX3lxTE1JSE5pRkkzQ3JUTmstVlVGbzRVV2NTdEh0QWp1R2tmX0hwN0RYMlRORHVyU3lUQWVha1lSZ1E5blVFeV9GWHJOWlpTNnJXdFBpSWV6V2ktZERMS2h2QmF1TVVuQjQycXZRSUE?oc=5) · Claim Depot
- 2026-08-14 [$450K Stanford Federal Credit Union NSF fee class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQWFJvREFCbklsT0cyQm1MRFFEMGdacHhyVlFBVEhTN2VuWUJrTmRfa1BNSFBtUkw2VE1qOVBJY2FZaXQ4dUk0dnlPLW5FM3NXLVkxbGtXS04yTEp1NS1sdFc4dVFWc2lKUE1LSVp6ZWZLSVJPM0FPVUtiYS0tR0lPZGhkUGd3eEFFSDBZdkpzNXdZT0FBY0ppYUhrdldzaVlzVDJGR3BHenVocGQxXzhvZnk5UC1OaWt6VUFEQVM3NVVHZ3ZNdi1PSTNuOS1BZTlsVFdBdUQ4Yw?oc=5) · Top Class Actions
- 2026-07-29 [2027 Credit Union 1 Big West Men's Basketball Championship - The Big West](https://news.google.com/rss/articles/CBMiUEFVX3lxTE9mZGoyaGRfQi1MOXRnaGVBY1RrLS1uS3BHbU9ReFZLX1paeGxaVmtlWkthVGhqN0pIcTY1b0ZwdnhvZ181ME8yTnFOSVNTbTdE?oc=5) · The Big West
- 2026-04-14 [Provident Credit Union closing Palo Alto branch as part of planned transition - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOVWU3a1FLZ3hzdnJEMndKNkNLMjVqOXlGV1Z2Y1liMU43S0Q1c19aQ1lDemx2QWhEbzNFZ1VZX1pMTy1OdlFBTUt0bkU4WTJQUjA2SXRONlRkU1l2Q3dvbnhLbWItQXNvMWZqQmZYd3hOZFJuRU9USzExWWRfTHZJRTYzd0FmT0NoMEk4NWV2WXhUeGRKb0ZHRm56YmtWcFBsM2tiekQ4Yw?oc=5) · The Business Journals
- 2025-05-13 [Stanford Federal Credit Union - Temenos](https://news.google.com/rss/articles/CBMiigFBVV95cUxOc01YNDg3aXQ5X2E0WExKRTFLbUpfQkl6WHlNSXNwQUJzTHNnRUhSdlo2ODNnR3ZNTWlZY1Y3RXMzV1VxQ05IYjQyTjV1cGVoNTNidkQxRnRrSEVoNHhzLV81MU44V1RzQ1E2VjV4bGVrdHpYdmk3aThwcFdQNGFIUG5Fb0g4MFZmVGc?oc=5) · Temenos
- 2026-07-29 [2027 Credit Union 1 Big West Women's Basketball Championship - The Big West](https://news.google.com/rss/articles/CBMiUEFVX3lxTE90UXBVeTVqVVpyN3I3WU9FZHpMQ3VLaE1nMUNIb09VdHd3Q1pDMkxMRVJDd0JpbzFYNHctNGpHdFlrV2dQQWNKTi1pMlg3bEVP?oc=5) · The Big West
- 2026-01-27 [Stanford vs. Wake Forest (Oct 3, 2026) Live Score - espn.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNLUFlbzdldnhLRWFBcTBjMWNXd0xOdGMxQXBGa2psczdFTEpuekVCRE5iWWl6M1AwXzkzNFE3Y1RPYUppQWgzRTlnRjJqc1dFdW9Qc29yMnp6N1VnWFY3dlk3cGwxR0tsUnBVNmhuQVdXVy1KeUdFUjhDWjFQTTkzQVBEcUIzUXhjbnc?oc=5) · espn.com
- 2026-02-02 [Maples Pavilion - Stanford Cardinal - Stadium Journey](https://news.google.com/rss/articles/CBMibEFVX3lxTE84QlEwS2pwdmtqRUluSnkxeGlsUmVaOGVFZ1JiS2JhQnllM1BYUTNaVTl4SjVWdmlmVkxTTk9aUmItYS1MYXIyeExpcGFNNFBJRzkzekg1R3JOWXhoOVA1QlZWUk9KNzFGeURCeA?oc=5) · Stadium Journey

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13392 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/16.json (key "13392", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=13392
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide