Stanford Federal Credit Union

Stanford Federal Credit Union is headquartered in PALO ALTO and is the 22^nd largest credit union in the state of California. It is also the 127^th largest credit union in the nation. It was established in 1959 and as of September of 2011, it had grown to 126 employees and 48,375 members. Stanford Federal Credit Union's savings rates are 5X the national average, and it boasts a 5-star health rating.

Stanford Federal Credit Union Routing Number: 321177722

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2010

• 5/22 - Competitive CD & IRA CD Rates at Stanford FCU in CA - Easy Membership

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Stanford Federal Credit Union IRA Rates

Data for Q3 2011

Institution Statistics STANFORD NCUA # 13392 BankRate Report View Year Established 1959 Employees 126 Primary Regulator Assets and Liabilities Assets $1.31 billion Loans $718.31 million Deposits $1.17 billion Equity Capital $106.78 million Loan Loss Allowance $9.28 million Unbacked Noncurrent Loans $7.58 million Historic Data - September 2010 Assets $1.19 billion Equity Capital $94.47 million Loan Loss Allowance $9.12 million Unbacked Noncurrent Loans $14.09 million Profit Margin - Quarterly Net Interest Margin 2.86% Return on Assets 0.93% Return on Equity 11.44% Interest Income $33.49 million Non-Interest Income $5.27 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Stanford Federal Credit Union had $7.58 million in non-current loans and owned real-estate with $116.06 million in equity and loan loss allowances on hand to cover it. This gives Stanford Federal Credit Union a Texas Ratio of 6.53% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Stanford Federal Credit Union decreased significantly from 13.60% as of September 30, 2010 to 6.53% as of September 30, 2011, resulting in a positive change of 52.00%.This indicates that the balance sheet and financial strength for Stanford Federal Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Stanford Federal Credit Union has increased its total deposits by $89.3 million, resulting in 8.23% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Stanford Federal Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Stanford Federal Credit Union has $1.31 billion in assets with $116.06 million in equity, resulting in a capitalization level of 8.87%, which is average.

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