STANFORD

Charter #13392 | CA

3B-5B (76 CUs) Mid-Market (380 CUs)
10 3B-5B in CA

STANFORD has 8 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 4.1% in tier
  • + Organic Growth Leader: Top 11.7% in tier
  • + ROA 0.20% above tier average
  • + Strong member growth: 5.2% YoY
  • + Total Delinquency Rate (60+ days): Top 0.0% in tier
  • + Average Member Relationship (AMR): Top 0.0% in tier
  • + Loan-to-Member Ratio (LMR): Top 0.0% in tier
  • + Net Charge-Off Rate: Top 7.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 12.6% in tier
  • - Fee Income Per Member: Bottom 2.6% in tier
  • - First Mortgage Concentration (%): Bottom 2.6% in tier
  • - Total Members: Bottom 2.6% in tier
  • - Share Certificate Concentration (%): Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 95,345
+5.2% YoY+2.1% QoQ
 -143.1K 238,465
+0.6% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Bottom 1.3% in tier
Assets $4.5B
+5.4% YoY+5.5% QoQ
 +$577.7M $4.0B
-0.1% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Top 17.1% in tier
Loans $3.4B
+5.3% YoY+0.7% QoQ
 +$414.7M $3.0B
+3.3% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 74th in tier
Deposits $3.4B
+4.2% YoY+4.1% QoQ
 +$83.1M $3.3B
+1.1% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 55th in tier
ROA 0.9%
+10.1% YoY+1.2% QoQ
 +0.2% 0.7%
+5.3% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 62nd in tier
NIM 2.5%
+11.6% YoY+0.2% QoQ
 -0.7% 3.2%
+13.7% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 13.2% in tier
Efficiency Ratio 60.2%
+0.7% YoY-0.6% QoQ
 -11.1% 71.3%
-0.6% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Bottom 13.2% in tier
Delinquency Rate 0.1%
-33.2% YoY+13.5% QoQ
 -0.7 0.8%
+15.9% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 0.0% in tier
Loan To Share 100.5%
+1.1% YoY-3.2% QoQ
 +9.7% 90.8%
+2.0% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Top 23.7% in tier
AMR $71,844
-0.4% YoY+0.2% QoQ
 +$43K $29,088
+0.1% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 1.3% in tier
CD Concentration 45.3%
-0.2% YoY+4.0% QoQ
 +16.3% 29.0%
+0.8% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 Top 5.5% in tier
Indirect Auto % 1.5%
-24.7% YoY-6.0% QoQ
 -17.3% 18.8%
-2.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 Bottom 19.0% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#31 of 246 • Top 4.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.20%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.94%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 1.53%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Organic Growth Leader

growth
#47 of 138 • Top 11.7% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 5.20%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Concerns (1)

Liquidity Strain

risk
#67 of 183 • Bottom 12.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 100.51%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 5.31%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 76 peers in tier

Top Strengths (9 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.11%
Peer Avg: 0.84%
#1 of 76 Top 0.0% in 3B-5B tier
1
Average Member Relationship (AMR)
engagement
Value: $71,844
Peer Avg: $29,088
#1 of 76 Top 0.0% in 3B-5B tier
1
Loan-to-Member Ratio (LMR)
engagement
Value: $36,014
Peer Avg: $13,761
#1 of 76 Top 0.0% in 3B-5B tier
7
Net Charge-Off Rate
risk
Value: 0.12%
Peer Avg: 0.64%
#7 of 76 Top 7.9% in 3B-5B tier
10
Indirect Auto Concentration (%)
balance_sheet
Value: 1.53%
Peer Avg: 20.57%
#10 of 76 Top 11.8% in 3B-5B tier
11
Efficiency Ratio
profitability
Value: 60.16%
Peer Avg: 71.26%
#11 of 76 Top 13.2% in 3B-5B tier
13
Total Assets
balance_sheet
Value: $4.55B
Peer Avg: $3.97B
#13 of 76 Top 15.8% in 3B-5B tier
18
Loan-to-Share Ratio
balance_sheet
Value: 100.51%
Peer Avg: 90.85%
#18 of 76 Top 22.4% in 3B-5B tier
20
Total Loans
balance_sheet
Value: $3.43B
Peer Avg: $3.02B
#20 of 76 Top 25.0% in 3B-5B tier

Top Weaknesses (5 metrics)

75
Fee Income Per Member
profitability
Value: $61.45
Peer Avg: $191.96
#75 of 76 Bottom 2.6% in 3B-5B tier
75
First Mortgage Concentration (%)
balance_sheet
Value: 68.74%
Peer Avg: 34.35%
#75 of 76 Bottom 2.6% in 3B-5B tier
75
Total Members
engagement
Value: 95,345
Peer Avg: 238,466
#75 of 76 Bottom 2.6% in 3B-5B tier
70
Share Certificate Concentration (%)
balance_sheet
Value: 45.31%
Peer Avg: 30.70%
#70 of 76 Bottom 9.2% in 3B-5B tier
66
Net Interest Margin (NIM)
profitability
Value: 2.50%
Peer Avg: 3.20%
#66 of 76 Bottom 14.5% in 3B-5B tier