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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, 2014
Credit Union ID 13392




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$1,701,553$1,585,899$1,501,145
Loans Receivable, Net975,528883,569791,973
Investments479,340579,467587,347
Shares & Deposits1,446,2071,377,0081,323,254
Borrowings85,00065,00042,500
Equity162,420138,694131,232
Net Income18,24515,40014,962
Ratio Analysis Capitalization%%%
Net Capital / Assets9.558.758.74
Capital / Assets10.069.249.21
Asset Quality%%%
Nonperforming Assets / Assets0.110.340.82
Nonperforming Assets / Equity & Loss Reserves1.113.678.89
Loss Reserves / Nonperforming Loans459.83184.2975.35
Credit Card Loans / Assets1.151.181.19
Earnings%%%
Return on Assets *1.090.991.03
Efficiency Ratio61.1762.1460
Overhead / Assets *1.831.891.81
Liquidity%%%
Loans / Deposits67.4564.1759.85
Cash + Equivalents / Assets12.135.019.02

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