Superior (These institutions are on BauerFinancial's Recommended Report.) 
 
Excellent (These institutions are also on BauerFinancial's Recommended Report.)
 
Good
 
Adequate
 
Problematic
 
Troubled
 
ZERO Zero-Stars is our lowest star rating. These institutions are included on our Troubled & Problematic Report and are facing considerable challenges at this time. Please check back as star ratings are subject to change at any time.
 
S.U. Start-up. Institutions that are too new to rate. As a general rule, an institution will receive its first Bauer star-rating after it has been in business for approximately 2.5 years.
 
N.R. Credit Unions that are not rated because either: they have less than $1.5 million in assets OR are not NCUA insured.
FDIC Bank has failed and/or is operating under FDIC conservatorship. No longer rated by BauerFinancial.

RSLVD Credit Unions that have been resolved or liquidated since the reporting date. No longer rated by BauerFinancial.

Financial data is compiled for U.S. banks and thrifts from call report data as reported to federal regulators. Although the financial data obtained from these sources is consistently reliable, the accuracy and completeness of the data cannot be guaranteed by BauerFinancial Inc.

All institutions are subject to federal regulatory capital requirements, but those requirements vary among institutions and are dependent on many factors. In general, institutions are required to maintain a leverage capital ratio of at least 4%, a tier 1 risk-based capital ratio of at least 4% and a total risk-based capital ratio of at least 8%.

In addition to the capital ratio, other criteria are used to determine the BauerFinancial™ Star-Rating. Some of these include but are not limited to: profitability/loss trend, evaluating the level of delinquent loans, chargeoffs and repossessed assets, the market versus book value of the investment portfolio, regulatory supervisory agreements, the community reinvestment rating (CRA), historical data and liquidity.