SAFE & SOUND® STAR RATINGS

Financial statement

STANFORD
1860 Embarcadero Road
Palo Alto, CA 94303-3335

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Credit Union ID 13392




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$1,657,196$1,585,899$1,501,145
Loans Receivable, Net895,698883,569791,973
Investments545,534579,467587,347
Shares & Deposits1,432,3861,377,0081,323,254
Borrowings75,00065,00042,500
Equity145,510138,694131,232
Net Income4,15815,40014,962
Ratio Analysis Capitalization%%%
Net Capital / Assets8.788.758.74
Capital / Assets9.319.249.21
Asset Quality%%%
Nonperforming Assets / Assets0.430.340.82
Nonperforming Assets / Equity & Loss Reserves4.663.678.89
Loss Reserves / Nonperforming Loans126.78184.2975.35
Credit Card Loans / Assets1.061.181.19
Earnings%%%
Return on Assets *1.010.991.03
Efficiency Ratio57.7562.1460
Overhead / Assets *1.901.891.81
Liquidity%%%
Loans / Deposits62.5364.1759.85
Cash + Equivalents / Assets10.405.019.02

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