bankrate.com - how safe is your bank or credit union?


	bankrate.com - how safe is your bank or credit union?
Lexica
9-30-2008 4:30 PM
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tags:
economics, economy, banks, credit-unions, ratings
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<div style="margin: 12px 0px; font-family: arial; color: #333333; background: #ffffff; border: solid 4px #e5e5e5; width: 100%; clear: left;"><div class="CM_CTB_Content_Wrap" style="margin: 0px; padding: 0px;background-color: #ffffff;"><div style="border-bottom: solid 1px #dcdcdc; white-space: nowrap; margin-bottom: 8px; background-color: #eeeeee ;background-image: url(http://www.clipmarks.com/images/source-bg.gif); background-repeat: repeat-x; height: 24px; line-height: 24px; vertical-align: middle; padding-bottom: 4px; color: #666666; font-size: 10px;" ><a href="http://clipmarks.com/clip-to-blog/" title="see clips that are hot right now"><img src="http://content.clipmarks.com/blog_embed/6d847b44-4c46-4dfe-b611-11f5baae68d6/CBD59FBC-DA39-45F3-8A43-23D8B94D8865/" alt="" width="19" height="19" border="0" style="vertical-align: middle; margin: 0px 4px; display: inline; border: none; float:none;" /></a>clipped from <a title="http://www.bankrate.com/brm/safesound/ss_home.asp" href="http://www.bankrate.com/brm/safesound/ss_home.asp" style="font-size: 11px;">www.bankrate.com</a></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://www.bankrate.com/brm/safesound/ss_home.asp"><P class="body"> Is your bank safe? Now you can 
find out.</P></blockquote><div style="height: 2px; font-size: 2px; background: #dcdcdc; border-bottom: solid 1px #f5f5f5; margin: 2px 4px;"></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://www.bankrate.com/brm/safesound/ss_home.asp"><table background="undefined" bgcolor=""><tr><TD valign="middle" nowrap="" bgcolor="#d7dce0" align="center"><TABLE width="100%" cellspacing="0" cellpadding="2" border="0"> <TBODY><TR valign="top"><TD width="5" bgcolor="#5b82ab"> </TD><TD bgcolor="#5b82ab" align="left" class="headertxt"><B>Free 
memorandum and financial statement</B> 
</TD><TD bgcolor="#5b82ab" align="right"><DIV>Updated: September 9, 2008  </DIV>
</TD></TR> </TBODY></TABLE><TABLE width="97%" cellspacing="0" cellpadding="2" border="0" bgcolor="#d7dce0"><TBODY><TR> <TD width="75%" valign="bottom" height="25" align="left" class="bodysm"><STRONG>Look 
up a bank, thrift or credit union in Safe & Sound. </STRONG></TD><TD width="25%" valign="bottom" align="left"></TD></TR></TBODY></TABLE><TABLE width="97%" cellspacing="0" cellpadding="2" border="0" bgcolor="#d7dce0"><TBODY><TR> <TD width="75%" valign="middle" align="left"><TABLE cellspacing="0" cellpadding="0" border="0"> <TBODY><TR valign="middle" align="center"><TD> <SELECT class="cbox" size="1" id="insttype" name="insttype"> <OPTION value="">-- Select --</OPTION> 
<OPTION value="0">Banks/Thrifts</OPTION> <OPTION value="2">Credit Unions</OPTION> 
</SELECT> </TD><TD><A><IMG width="60" height="29" border="0" alt="Next" src="http://www.bankrate.com/images_MRA/rates_search_pg1/next_btn.gif" /></A>  
</TD></TR> </TBODY></TABLE></TD><TD width="25%" valign="bottom" nowrap="" height="30" align="right"><LI align="left" class="yellowsquare"><A class="sidebar" href="javascript:winx=window.open('/brm/safesound/howtouse.asp','newWnd', 'toolbar=no,location=no,status=no,menubar=no,scrollbars=yes,resizable=yes,width=400,height=400, left=200, top=200');winx.focus();">How to use Safe & Sound</A></LI></TD></TR> <TR> <TD valign="top" height="5" align="left"></TD><TD valign="top" align="left"></TD></TR></TBODY></TABLE></TD></tr></table></blockquote><div style="height: 2px; font-size: 2px; background: #dcdcdc; border-bottom: solid 1px #f5f5f5; margin: 2px 4px;"></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://www.bankrate.com/brm/safesound/ss_home.asp">The system employs a series of twenty-two tests to measure the capital adequacy, asset quality, profitability, and liquidity (CAEL) of each rated financial institution.</blockquote><div style="height: 2px; font-size: 2px; background: #dcdcdc; border-bottom: solid 1px #f5f5f5; margin: 2px 4px;"></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://www.bankrate.com/brm/safesound/ss_home.asp"><TABLE width="98%" cellspacing="0" cellpadding="0" border="0" align="center" class="BoxBlue"><TBODY><TR> <TD height="1" class="solidlinetop"><IMG width="1" height="1" src="http://www.bankrate.com/images_mra/spacer.gif" /></TD></TR><TR><TD class="arialBlueLg"><B>Safe & Sound CAEL rating</B> system</TD></TR> <TR><TD height="1" class="solidlinebot"><IMG width="1" height="1" src="http://www.bankrate.com/images_mra/spacer.gif" /></TD></TR><TR> <TD valign="top" height="10"></TD></TR> <TR> <TD bgcolor="#ffffff"><TABLE width="100%" vspace="8" hspace="8" cellspacing="0" cellpadding="2" border="0"><TBODY><TR valign="bottom" bgcolor="#5b82ab" align="center"><TD align="left" class="headertxt"> </TD><TD align="left" class="headertxt"><B> Safe & Sound CAEL rating</B></TD><TD align="left" class="headertxt"><B> Definition</B></TD><TD bgcolor="#5b82ab" align="left" class="headertxt"><B> Star rating</B></TD></TR><TR valign="top" bgcolor="#d7dce0" align="left"><TD align="left" class="sidebar"> </TD><TD align="left" class="sidebar">1</TD><TD align="left" class="sidebar">Superior</TD><TD bgcolor="#d7dce0" align="left"><IMG border="0" alt="star" src="http://www.bankrate.com/images_mra/rates/star-9x9.gif" /><IMG border="0" alt="star" src="http://www.bankrate.com/images_mra/rates/star-9x9.gif" /><IMG border="0" alt="star" src="http://www.bankrate.com/images_mra/rates/star-9x9.gif" /><IMG border="0" alt="star" src="http://www.bankrate.com/images_mra/rates/star-9x9.gif" /><IMG border="0" alt="star" src="http://www.bankrate.com/images_mra/rates/star-9x9.gif" /></TD></TR><TR valign="top" align="left"><TD align="left" class="sidebar"> </TD><TD align="left" class="sidebar">2</TD><TD align="left" class="sidebar">Sound</TD><TD align="left"><IMG border="0" alt="star" src="http://www.bankrate.com/images_mra/rates/star-9x9.gif" /><IMG border="0" alt="star" src="http://www.bankrate.com/images_mra/rates/star-9x9.gif" /><IMG border="0" alt="star" src="http://www.bankrate.com/images_mra/rates/star-9x9.gif" /><IMG border="0" alt="star" src="http://www.bankrate.com/images_mra/rates/star-9x9.gif" /></TD></TR><TR valign="top" bgcolor="#d7dce0" align="left"><TD align="left" class="sidebar"> </TD><TD align="left" class="sidebar">3</TD><TD align="left" class="sidebar">Performing</TD><TD align="left"><IMG border="0" alt="star" src="http://www.bankrate.com/images_mra/rates/star-9x9.gif" /><IMG border="0" alt="star" src="http://www.bankrate.com/images_mra/rates/star-9x9.gif" /><IMG border="0" alt="star" src="http://www.bankrate.com/images_mra/rates/star-9x9.gif" /></TD></TR><TR valign="top" align="left"><TD align="left" class="sidebar"> </TD><TD align="left" class="sidebar">4</TD><TD align="left" class="sidebar">Below peer group </TD><TD align="left"><IMG border="0" alt="star" src="http://www.bankrate.com/images_mra/rates/star-9x9.gif" /><IMG border="0" alt="star" src="http://www.bankrate.com/images_mra/rates/star-9x9.gif" /></TD></TR><TR valign="top" bgcolor="#d7dce0" align="left"><TD align="left" class="sidebar"> </TD><TD align="left" class="sidebar">5</TD><TD align="left" class="sidebar">Lowest rated </TD><TD align="left"><IMG border="0" alt="star" src="http://www.bankrate.com/images_mra/rates/star-9x9.gif" /></TD></TR><TR valign="top" bgcolor="#ffffff" align="left"><TD align="left" class="sidebar"> </TD><TD align="left" class="sidebar"><A href="javascript:winx=window.open('/brm/safesound/popdef.asp','newWnd', 'toolbar=no,location=no,status=no,menubar=no,scrollbars=yes,resizable=yes,width=400,height=210, left=200, top=200');winx.focus();">No Report</A></TD><TD align="left" class="sidebar"><A href="javascript:winx=window.open('/brm/safesound/popdef.asp','newWnd', 'toolbar=no,location=no,status=no,menubar=no,scrollbars=yes,resizable=yes,width=400,height=210, left=200, top=200');winx.focus();">Complete data not available</A></TD><TD align="left" class="sidebar"><A href="javascript:winx=window.open('/brm/safesound/popdef.asp','newWnd', 'toolbar=no,location=no,status=no,menubar=no,scrollbars=yes,resizable=yes,width=400,height=210, left=200, top=200');winx.focus();">Not Rated "NR"</A></TD></TR><TR valign="top" bgcolor="#d7dce0" align="left"><TD align="left" class="sidebar"> </TD><TD align="left" class="sidebar"> Closed</TD><TD align="left" class="sidebar">Institution is closed</TD><TD align="left" class="sidebar"> Closed</TD></TR><TR valign="top" bgcolor="#ffffff" align="left"><TD align="left" class="sidebar"> </TD><TD align="left" class="sidebar"> G</TD><TD align="left" class="sidebar">Designates high growth</TD><TD align="left" class="sidebar"> --</TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></blockquote><div style="height: 2px; font-size: 2px; background: #dcdcdc; border-bottom: solid 1px #f5f5f5; margin: 2px 4px;"></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://www.bankrate.com/brm/safesound/ss_home.asp">The most desirable Safe & Sound CAEL rating is one; the least desirable is five</blockquote><div style="height: 2px; font-size: 2px; background: #dcdcdc; border-bottom: solid 1px #f5f5f5; margin: 2px 4px;"></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://www.bankrate.com/brm/safesound/ss_home.asp">A CAEL rating of 4 or 5 does not suggest that we believe direct 
              regulatory action is imminent or even likely.</blockquote><div style="height: 2px; font-size: 2px; background: #dcdcdc; border-bottom: solid 1px #f5f5f5; margin: 2px 4px;"></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://www.bankrate.com/brm/safesound/ss_home.asp">Quarterly updates 
              of CAEL ratings allow us to monitor changes that may occur and CAEL 
              ratings may fluctuate on a quarterly basis. </blockquote></div><div style="margin: 0px 6px 6px 4px;"><table style="font-size: 11px;border-spacing: 0px;padding: 0px;" cellpadding="0" cellspacing="0" width="100%"><tr><td style="background:transparent;border-width:0px;padding:0px;">&nbsp;</td><td align="right" style="background:transparent;border-width:0px;padding:0px;width:107px" width="107"><a href="http://clipmarks.com/share/CBD59FBC-DA39-45F3-8A43-23D8B94D8865/blog/" title="blog or email this clip"><img src="http://content9.clipmarks.com/images/c2b-foot.png" border="0" alt="blog it" width="107" height="17" style="border-width:0px;padding:0px;margin:0px;" /></a></td></tr></table></div></div>
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