SAFE & SOUND® STAR RATINGS

Financial statement

STANFORD
1860 Embarcadero Road
Palo Alto, CA 94303-3335

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Credit Union ID 13392




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$1,660,034$1,585,899$1,501,145
Loans Receivable, Net931,539883,569791,973
Investments524,818579,467587,347
Shares & Deposits1,416,6961,377,0081,323,254
Borrowings85,00065,00042,500
Equity153,395138,694131,232
Net Income8,96115,40014,962
Ratio Analysis Capitalization%%%
Net Capital / Assets9.248.758.74
Capital / Assets9.789.249.21
Asset Quality%%%
Nonperforming Assets / Assets0.410.340.82
Nonperforming Assets / Equity & Loss Reserves4.163.678.89
Loss Reserves / Nonperforming Loans135.44184.2975.35
Credit Card Loans / Assets1.101.181.19
Earnings%%%
Return on Assets *1.020.991.03
Efficiency Ratio58.9262.1460
Overhead / Assets *1.881.891.81
Liquidity%%%
Loans / Deposits65.7564.1759.85
Cash + Equivalents / Assets9.875.019.02

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