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BauerFinancial, Inc. is a source for completely independent, unbiased bank and credit union analysis. Founded in 1983, BauerFinancial is regarded as a reputable source by federal and state regulators as well as retail consumers.

The BauerFinancial star rating reflects the results of thorough analysis of quarterly financial reporting required by the federal government for all financial institutions.

BauerFinancial star ratings classify each institution based upon a complex formula factoring in current and historical data. The first level of evaluation is the capital level of the institution followed by other relevant data including, but not limited, to: profitability, historical trends, loan delinquencies, repossessed assets, reserves, regulatory compliance, proposed regulations and asset quality. Negative trends are projected forward to compensate for the lag time in the data. BauerFinancial employs conservative measures when assigning these ratings and consequently the analysis may reflect a lower rating than those supplied by other analysts or the institutions themselves.