SAFE & SOUND®STAR RATINGS

Research Methodology

Research methodology

The Safe & Sound® ratings system employs more than 20 tests to measure the capital adequacy, asset quality, profitability and liquidity of each rated financial institution. Individual performance levels are determined from publicly available regulatory filings and are compared to asset-size peer norms, industry standards and key absolute benchmarks. Combined results form the basis for our Star Ratings.

Scoring methodology

Bankrate.com evaluates the financial condition of institutions and assigns a 1-to-5 rating with five stars representing the highest rating. Institutions with satisfactory performance will generally receive a rating of three or better stars with the majority of banks falling into the three- to four-star range. An institution with an "NR" rating may be too new to rate. The "NR" is not any indication of financial strength or weakness. The Safe & Sound Rating is believed to be reliable but the information is not guaranteed. In addition, events since the information was collected may have altered an institution's financial condition.
We do not rate credit unions with less than $5 million in assets.
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