SAFE & SOUND® STAR RATINGS

Financial statement

STANFORD
1860 Embarcadero Road
Palo Alto, CA 94303-3335

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Credit Union ID 13392




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$1,585,899$1,501,145$1,365,507
Loans Receivable, Net883,569791,973716,139
Investments579,467587,347530,069
Shares & Deposits1,377,0081,323,2541,228,310
Borrowings65,00042,50020,000
Equity138,694131,232112,435
Net Income15,40014,96214,076
Ratio Analysis Capitalization%%%
Net Capital / Assets8.758.748.23
Capital / Assets9.249.218.87
Asset Quality%%%
Nonperforming Assets / Assets0.340.820.81
Nonperforming Assets / Equity & Loss Reserves3.678.899.11
Loss Reserves / Nonperforming Loans184.2975.35
Credit Card Loans / Assets1.181.191.31
Earnings%%%
Return on Assets *0.991.031.09
Efficiency Ratio62.146058.26
Overhead / Assets *1.891.811.89
Liquidity%%%
Loans / Deposits64.1759.8558.30
Cash + Equivalents / Assets5.019.026.03

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