Author: BauerFinancial | Page 36

Financial Literacy is Everyone’s Business

March 29, 2019: BauerFinancial, Inc., Coral Gables, FL, the nation’s leading independent bank and credit union rating firm, would like to remind everyone that April is Financial Literacy Month. It’s never too late, or too early, to start learning your…

Community banker handing his customer several one-hundred dollar bills

Community Banks: Know Thy Borrower

As a general rule, the more risky loans in a bank’s portfolio are construction, commercial real estate and foreign loans. As we have all seen though, even the seemingly safest loans (1-4 family residential) can turn sour if not underwritten…

Stacks of coins with workers using tools to move the money

Community Banks Putting Deposits to Work

We may have hit a wall in interest rate increases, (at least for the time being) but that hasn’t stopped consumers or businesses from taking advantage of rate hikes we have seen. From December 2016 through December 2018, the Federal…

Star-Ratings Up; Consumer Debt Falters

March 12, 2019: BAUERFINANCIAL, Inc., Coral Gables, FL, the nation’s leading independent bank and credit union rating firm announces it has newly released bank and credit union star-ratings (based on December 31, 2018 financial data) available on its website, bauerfinancial.com.…

Financial symbols of a key a dollar sign and gold stars

New Credit Union Star-Ratings This Week

The National Credit Union Administration (NCUA) released mostly positive year-end 2018 financial data on Wednesday (March 6th). The aggregate capital ratio for all federally-insured credit unions increased to 11.30% – up from 10.95% a year earlier. Over 98% reported a…

Person squeezing a stress ball re: no need to stress, new bank star ratings

All New BANK Star-Ratings This Week

By most measures, 2018 was a good year for U.S. banks. After earning $59.1 billion in the fourth quarter, net income for the calendar year was $236.7 billion. That was 44% higher than 2017 net income. However, after adjusting for…

Animated man bent over under the burden of household debt

Household Debt 6.9% Higher than 2008 Peak

At $13.54 trillion, consumer debt today is $869 billion higher than its 2008 peak of $12.68 trillion. It is 21.4% higher than its 2013 trough (see chart). Housing is not the culprit this time around. Based on a recent report…

President Lincoln next to an image of a check from the 1800s

President Lincoln Could Have Banked Here

The past couple of weeks we have been concentrating on banks and credit unions that are struggling. Between that, and the new mega-merger announcement between BB&T and SunTrust (February 7th) that we will get into later, we thought this was…

Bankers Challenge Credit Union Buyouts

At first glance, a federally-insured credit union may not appear to be much different from a federally-insured bank. Both carry the same deposit guarantees, backed by the federal government and both often offer similar deposit and loan products. The primary…

Troubled Banks: The Long Goodbye

Even though there are fewer banks rated 2-Star or below than there have been since 2007, there are still too many (83 to be exact) to list on page 7. Instead we listed all banks rated 1-Star or Zero-Stars OR…

Author: BauerFinancial (page 36)

Financial Literacy is Everyone’s Business

Community Banks: Know Thy Borrower

Community Banks Putting Deposits to Work

Star-Ratings Up; Consumer Debt Falters

New Credit Union Star-Ratings This Week

All New BANK Star-Ratings This Week

Household Debt 6.9% Higher than 2008 Peak

President Lincoln Could Have Banked Here

Bankers Challenge Credit Union Buyouts

Troubled Banks: The Long Goodbye

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