Sep, 30, 2025 — STANFORD FEDERAL CREDIT UNION is a federal credit union headquartered in PALO ALTO, CA with 6 branch locations and about $4.55 billion in total assets. Opened 67 years ago in 1959, STANFORD FEDERAL CREDIT UNION has about 95,345 members and employs 255 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | STANFORD FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1860 Embarcadero Rd PALO ALTO, CA 94303-3335 |
| Phone: | (650) 842-6049 |
| Fax: | (650) 739-0435 |
| Website: | https://www.sfcu.org |
| Branches: | 6 branch locations |
| Members: | 95,345 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 13392 |
|---|---|
| Membership Type: | Multiple common bond - Primarily educational |
| Corporate Credit Union: | No |
| Year Opened: | 1959 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $4,548,600,943 |
| CEO/Manager: | Joan Opp |
| Chairperson: | Shirley J Everett |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 644,264,518 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 3,193,381,634 |
| Unsecured Loans | 99,611,400 |
| Other Loans | 140,719,987 |
| TOTAL LOANS | 3,433,713,021 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -28,701,066 |
| Land And Building | 9,036,052 |
| Other Fixed Assets | 3,658,605 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 27,668,474 |
| All Other Assets | 0 |
| TOTAL ASSETS | 4,548,600,943 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 630,000,000 |
| Accounts Payable & Other Liabilities | 29,795,985 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 889,642,963 |
| Regular shares | 560,249,535 |
| All Other Shares & Deposits | 1,966,324,781 |
| TOTAL SHARES & DEPOSITS | 3,416,217,277 |
| TOTAL LIABILITIES | 4,076,013,262 |
| Regular Reserve | 0 |
| Other Reserves | -13,557,338 |
| Undivided Earnings | 486,145,019 |
| TOTAL EQUITY | 472,587,681 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 4,548,600,943 |
| INCOME & EXPENSE | |
| Loan Income | 120,662,865 |
| Investment Income | 41,245,681 |
| Other Income | 1,046,495 |
| Total Employee Compensation & Benefits | 32,073,378 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 20,578,762 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 3,600,000 |
| Cost of Funds | 78,781,109 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 31,269,348 |
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