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We analyze banks and credit unions…. very carefully

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Introduction

Author: BauerFinancial (page 3)

Author: BauerFinancial (page 3)

balancing the risks vs req=wards of uninsured deposits

Uninsured Deposits at U.S. CUs Top $165 Billion

Posted on: October 24, 2022 October 25, 2022 Written by: BauerFinancial
Nearly three quarters of all federally-insured credit unions have at least some shares/deposits that exceed the insurance limit (which is typically $250,000). The total of uninsured shares reported by these CUs at June 30th topped $165 billion. If that’s not…
Continue reading “Uninsured Deposits at U.S. CUs Top $165 Billion”…
Community Bank Branches Good for Consumers

Community Bank Branches are NOT Going Away

Posted on: October 17, 2022 October 17, 2022 Written by: BauerFinancial
That may seem contradictory to the chart below, but notice we said “community bank branches”. According to the FDIC, in the past 12 months, the industry has closed 3,617 branch offices and opened just 1,148 for a net loss of…
Continue reading “Community Bank Branches are NOT Going Away”…
Money stacked up on wooden tiles that spell out bank fees

More than a Slap on the Wrist for 2-Time Offender

Posted on: October 11, 2022 October 11, 2022 Written by: BauerFinancial
The average amount that U.S. banks charge annually in fees on personal deposit accounts is about 0.19% of the total balances on transaction and savings accounts (T&SA). These fees include overdraft-related charges, periodic maintenance fees, ATM charges and “other” service…
Continue reading “More than a Slap on the Wrist for 2-Time Offender”…

Bank Deposits Decline for 1st Time in 4 Years

Posted on: October 3, 2022 October 4, 2022 Written by: BauerFinancial
Deposits at U.S. banks grew swiftly after COVID arrived here in the states. In fact, domestic deposits increased by 37.5% during calendar 2020 and 2021 and finally peaked on March 31, 2022 at $18.426 trillion. One would think (at least…
Continue reading “Bank Deposits Decline for 1st Time in 4 Years”…

Problematic CUs at Highest Level Since 2014

Posted on: September 26, 2022 September 27, 2022 Written by: BauerFinancial
Federally-Insured Credit Unions rated 2-Stars or below, and therefore relegated to Bauer’s Troubled and Problematic Credit Union Report (T&P), are climbing, slowly but surely. Currently at 150 (out of 4,853), that may not seem like a lot. But, it has…
Continue reading “Problematic CUs at Highest Level Since 2014”…
We Analyze Banks & Credit Unions ...very carefully

U.S. Consumers May be Nearing a Tipping Point

Posted on: September 23, 2022 September 23, 2022 Written by: BauerFinancial
Coral Gables, Florida, September 21, 2022:  BauerFinancial, Inc., the nation’s premier Bank and Credit Union rating firm, sheds light on the fact that early-stage consumer delinquencies are beginning to head up. While the more severe delinquent loans are holding at…
Continue reading “U.S. Consumers May be Nearing a Tipping Point”…
New Star Ratings are out

All New Credit Union Star-Ratings this Week

Posted on: September 19, 2022 September 19, 2022 Written by: BauerFinancial
Loans at our nation’s federally-insured credit unions grew by $194 billion (or 16.2%) over the 12 month period ending June 30, 2022. That marks the largest increase in at least 20 years. Provisions for potential losses on those were bolstered…
Continue reading “All New Credit Union Star-Ratings this Week”…
Bank Assets Decline

Bank Assets Decline for 1st Time in 7 Years

Posted on: September 12, 2022 September 13, 2022 Written by: BauerFinancial
In spite of increases in loan balances, both from first quarter and from a year ago, total assets at the nation’s banks declined in the second quarter 2022. (Source: FDIC Quarterly Banking Profile (QBP).) This marks the first quarterly drop…
Continue reading “Bank Assets Decline for 1st Time in 7 Years”…

How Are Americans Coping With Inflation?

Posted on: September 6, 2022 September 7, 2022 Written by: BauerFinancial
About a month ago, the Wall Street Journal ran a story entitled: “Dollar-Store Dinners and Vats of Shampoo Help Families Cope With Inflation” (by Rachel Wolfe August 1, 2022). The basic gist of the story is that many families can…
Continue reading “How Are Americans Coping With Inflation?”…
New Star Ratings are out

All New Bank Star-Ratings this Week

Posted on: August 29, 2022 August 29, 2022 Written by: BauerFinancial
All bank star-ratings have now been updated in Jumbo Rate News and on our website. As a result, a number of banks changed categories in the newsletter and, more importantly, several banks have been dropped from our rate pages based…
Continue reading “All New Bank Star-Ratings this Week”…
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Bank and Credit Union data compiled from financial data for the period noted, as reported to federal regulators. The financial data obtained from these sources is consistently reliable, although; the accuracy and completeness of the data cannot be guaranteed by BauerFinancial, Inc. BauerFinancial relies upon this data in its judgment and in rendering its opinion (e.g. determination of star ratings) as well as supplying the data fields incorporated herein. BauerFinancial, Inc. is not a financial advisor; it is an independent bank research firm. BauerFinancial is a registered trademark. Any unauthorized use of its content, logos, name, and/or Star-ratings is forbidden.

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