Bauer Financial Services

 July 2014 ranking of Grand Rapids area financial institutions

Financial Institution Rating
Affinity Plus Federal Credit Union
American Bank of the North
First National Bank of Coleraine
First National Bank of Deerwood
Grand Rapids State Bank
Lakes Area Credit Union
Northview Bank
U.S. Bancorp
Wells Fargo
Woodland Bank



About Bauer Financial Services

BauerFinancial has been reporting on and analyzing the performance of U.S. banks and credit unions since 1983. Ratings are independent. No institution has ever paid Bauer Financial to rate them, nor can any choose to be excluded.

Explanation of "star" ratings

Financial data is compiled for U.S. banks and credit unions from call report data as reported to federal regulators.  All banks are subject to federal regulatory capital requirements, but those requirements vary among institutions and are dependent on many factors.  In addition to the capital ratio, other criteria are used in Bauer Financial's "Star" rating.  Some of these include but are not limited to:

  • profitability/loss trend
  • level of delinquent loans and repossessed assets
  • the market versus book value of the investment portfolio
  • regulatory supervisory agreements
  • the community reinvestment (CRA) rating
  • liquidity.

Potential losses on available-for-sale securities, delinquent loans and repossessed assets are forecasted in assigning Bauer Financial's "star" rating.

Superior (these institutions are on Bauer Financial’s "Recommended Report ")

Excellent (these institutions are on Bauer Financial’s "Recommended Report")






"Zero" stars are assigned to institutions included on Bauer Financial's "Troubled & Problematic Report;" they face considerable challenges.