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SAFE & SOUND® STAR RATINGS

STANFORD

1860 Embarcadero Road
Palo Alto, CA 94303-3335

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2015
Credit Union ID 13392




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$1,894,472$1,701,553$1,585,899
Loans Receivable, Net1,107,564975,528883,569
Investments538,730479,340579,467
Shares & Deposits1,593,0321,446,2071,377,008
Borrowings115,00085,00065,000
Equity178,373162,420138,694
Net Income19,30518,24515,400
Ratio Analysis Capitalization%%%
Net Capital / Assets9.429.558.75
Capital / Assets9.8310.069.24
Asset Quality%%%
Nonperforming Assets / Assets0.090.110.34
Nonperforming Assets / Equity & Loss Reserves0.941.113.67
Loss Reserves / Nonperforming Loans447.82459.83184.29
Credit Card Loans / Assets1.161.151.18
Earnings%%%
Return on Assets *1.071.090.99
Efficiency Ratio65.361.1762.14
Overhead / Assets *1.931.831.89
Liquidity%%%
Loans / Deposits69.5367.4564.17
Cash + Equivalents / Assets11.0912.135.01

* Calculations are based on the latest four quarters of income and expense.
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