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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, 2016
Credit Union ID 13392




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$1,970,486$1,894,472$1,701,553
Loans Receivable, Net1,147,3751,107,564975,528
Investments579,477538,730479,340
Shares & Deposits1,649,7821,593,0321,446,207
Borrowings125,000115,00085,000
Equity186,332178,373162,420
Net Income4,70719,30518,245
Ratio Analysis Capitalization%%%
Net Capital / Assets9.469.429.55
Capital / Assets9.869.8310.06
Asset Quality%%%
Nonperforming Assets / Assets0.150.090.11
Nonperforming Assets / Equity & Loss Reserves1.510.941.11
Loss Reserves / Nonperforming Loans273.63447.82459.83
Credit Card Loans / Assets1.121.161.15
Earnings%%%
Return on Assets *1.021.071.09
Efficiency Ratio66.9265.361.17
Overhead / Assets *1.951.931.83
Liquidity%%%
Loans / Deposits69.5569.5367.45
Cash + Equivalents / Assets10.4111.0912.13

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