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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 March 31, 2015
Credit Union ID 13392




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$1,765,907$1,701,553$1,585,899
Loans Receivable, Net968,728975,528883,569
Investments525,404479,340579,467
Shares & Deposits1,505,2081,446,2071,377,008
Borrowings85,00085,00065,000
Equity168,837162,420138,694
Net Income5,10918,24515,400
Ratio Analysis Capitalization%%%
Net Capital / Assets9.569.558.75
Capital / Assets10.0510.069.24
Asset Quality%%%
Nonperforming Assets / Assets0.050.110.34
Nonperforming Assets / Equity & Loss Reserves0.541.113.67
Loss Reserves / Nonperforming Loans1185.4459.83184.29
Credit Card Loans / Assets1.081.151.18
Earnings%%%
Return on Assets *1.131.090.99
Efficiency Ratio63.5361.1762.14
Overhead / Assets *1.851.831.89
Liquidity%%%
Loans / Deposits64.3667.4564.17
Cash + Equivalents / Assets13.2512.135.01

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