Measuring Bank Performance: Beyond Net Income
The Federal Reserve held rates steady at 3.5%-3.75%, prompting a review of bank profitability beyond net interest margins. This analysis focuses on Return on Assets (ROA), highlighting the 50 banks with ROAs of 2.83% or higher at year‑end 2025. Profitability…
New Credit Union Star Ratings Now Available
Fourth‑quarter 2025 Bauer star ratings for all federally insured credit unions are now available. The share of recommended credit unions (5-Stars or 4-Stars) slipped from 86% to 84%, while the share rated 2‑Stars or below also declined-leaving more institutions in the…
U.S. Banks Shedding Employees
The U.S. banking sector experienced a net reduction of 4,395 full‑time equivalent (FTE) employees in 2025, with 31.5% of banks cutting staff while 49.9% expanded headcount. Regulatory actions drove the downsizing at some institutions, while other banks leveraged restructuring to…