Credit union · NCUA insured
Stanford Federal Credit Union
Top CarrotA $4.8B credit union, the 96th largest of 4,329, headquartered in Palo Alto, CA, with 95,462 members and 6 branches in California. Best rates: savings 0.10% APY.
Stanford Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 92% of U.S. banks and credit unions
#2 of 39 in San Jose, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Stanford Federal Credit Union
- Headquarters
- 1860 Embarcadero Rd, Palo Alto, CA 94303-3335
- NCUA charter
- 13392
Branches
6 branches in California
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California
6 branches
San Jose area · 5
- Corporate OfficeMain office1860 Embarcadero Rd, Palo Alto, CA 94303Directions
- University Ave525 University Ave, Palo Alto, CA 94301Directions
- Medical Center300 Pasteur Dr, Stanford, CA 94305Directions
- Pampas Lane694 Pampas Ln, Stanford, CA 94305Directions
- Tresidder Center459 Lagunita Dr, Stanford, CA 94305Directions
San Francisco area · 1
- Redwood City905 Barron Avenue, Redwood City, CA 94063Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.21% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.20% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.00% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $97 | $88 | — |
- CapitalNet worth ratio11.21%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.20%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.00%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$97Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Stanford Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.