![]() This may simply mean that the institution is too new to rate it's not necessarily any indication of financial strength or weakness. No report is available for institutions that don't have 5 quarters of historical financial data on file with the federal regulatory agencies. RATE SEARCH: Compare CD rates on Bankrate today. has reversed this order in its graphic rankings for easy visual recognition. ![]() The song was released as a single on Januand first appeared on their debut EP Capital Cities (2011), later serving as the lead single from their debut studio album, In a Tidal Wave of Mystery (2013). ![]() The strongest Safe and Sound CAEL rating is 1 and the weakest is 5, in accordance with industry standards. 'Safe and Sound' is a song by American indie pop duo Capital Cities, written and produced by band members Ryan Merchant and Sebu Simonian. The Safe and Sound CAEL rating should not be confused with ratings used by the FDIC or any other third party. More than 10,000 FDIC-insured banks and thrifts are analyzed and approximately 12,000 credit unions. The testing assigns a value to each of the Safe and Sound CAEL categories and calculates a composite rating for each institution. We use publicly available quarterly data from regulatory agencies in the banking industry - the Federal Deposit Insurance Corporation Office of the Comptroller of the Currency and the National Credit Union Administration. Liquidity - Measures how well the bank can meet the expenses required for day-to-day operations, including a surge in cash withdrawals by customers. It's the primary measure of a bank's profitability. It especially focuses on how many of them are delinquent or risky.Įarnings - This is the difference between revenues and expenses. ![]() Ratings are based on tests of the institutions' capitalization, asset quality, earnings and liquidity (or CAEL).Ĭapitalization - Measures how much of a company's assets are owned by the company or its shareholders, as opposed to being owned by creditors.Īsset quality - Assesses the loans in a bank's portfolio. SEE HOW YOUR BANK STACKS UP: Try Bankrate's Safe and Sound ratings now. It's an independent resource to assist you in making banking decisions. The Safe and Sound ratings feature is a quick and easy way for you to check the financial health of a bank, thrift or credit union before you open an account. ![]()
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