Author: BauerFinancial | Page 3

balancing the risks vs req=wards of uninsured deposits

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

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…

Community Bank Branches Good for Consumers

Community Bank Branches are NOT Going Away

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…

Money stacked up on wooden tiles that spell out bank fees

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

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…

Bank Deposits Decline for 1st Time in 4 Years

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…

Problematic CUs at Highest Level Since 2014

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…

We Analyze Banks & Credit Unions ...very carefully

U.S. Consumers May be Nearing a Tipping Point

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…

Shopping cart