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Weiss Ratings’ Guide to Credit Unions. This quarterly guide is the ideal resource for accurate, unbiased ratings and data to help citizens across the United States choose a credit union for themselves, their families, their companies, or their clients.
Credit unions provide a viable and sometimes preferable alternative to banks across the nation, with lower interest rates on loans and higher returns on savings accounts. Additionally, credit unions enjoy nonprofit status and are governed by depositors, giving members more of a say in their institution’s operation. Many U.S. consumers remain unaware of the benefits of credit unions over banks; luckily, Weiss Ratings’ Guide to Credit Unions is here to help users select the right credit union for them.
Grey House’s Financial Ratings Series combines the strength of Weiss Ratings and Grey House Publishing to offer the public a single, comprehensive source for financial strength ratings and financial planning tools. From health insurers to banks and credit unions to stocks and mutual funds, the Financial Ratings Series provides accurate, independent information that consumers need to make informed financial decisions.
All of Weiss Ratings’ Guides are published quarterly, utilize a clear-cut A-to-F rating system (similar to school grading systems), and contain more complete, up-to-date ratings than any of their competitors. These 2018 editions of Weiss Ratings’ Guide to Credit Unions features ratings and analyses of over 7,800 credit unions in the United States. Many of these companies are not rated anywhere else.
The Guide to Credit Unions is divided into three sections, preceded by an introductory section and followed by a thorough Appendix. Weiss’ complete letter-grade rubric is detailed on the inside front cover—an easily accessible reference for users researching companies in this guide.
The introductory section begins by welcoming the user and laying out the mission statement, followed by a “How To Use This Guide” orientation to the book. The final components of this section are an explanation of the Financial Strength Ratings used in the book and a page of important warnings and cautions for the user to take into account when evaluating credit unions.
Section I is an Index of Credit Unions. This section contains Financial Strength Ratings, Key Rating Factors, and a summary of financial data for all U.S. federally insured credit unions. Companies are sorted in alphabetical order, first by company name, then by city and state.
Section II contains a Recommended Company List, showcasing companies that received a Financial Strength Rating of A+, A, A-, or B+. Recommended institutions are listed by each state in which they currently operate one or more branches, and then organized alphabetically by city.
Section III is a list of Rating Upgrades and Downgrades that identifies those institutions receiving a rating change since the previous edition, whether it be a rating upgrade, rating downgrade, newly rated company, or the withdrawal of a rating. Each listing contains the Institution’s Name, New Financial Strength Rating, State, and Date of Change.
The guide ends with an Appendix containing three sections: a list of Recent Credit Union Failures, a detailed chart called “How Do Banks and Credit Unions Differ?”, and a Glossary containing the most important terms used throughout the publication.
Weiss Ratings’ Guide to Credit Unions is also available for subscription as part of the Financial Ratings Series Online, giving users the tools to discover the best, most financially stable organizations in business today. Using a quick and easy search screen, subscribers to the online database will have access to Financial Strength Ratings for more than 21,000 Banks, Credit Unions, and Insurance Companies (Auto, Life, Health, and Homeowners’), as well as Investment Ratings for over 6,000 Stocks and 16,000 Mutual Funds. Additionally, subscribers will have access to individually customized Medigap Buyer’s Guides, a Long-Term Care Insurance Planner, a Ratings Track Record, and many other financial planning tools. Visit www.greyhouse.weissratings.com for subscription details.
Anyone looking for accurate, unbiased ratings and data will benefit from Weiss Ratings’ Guide to Credit Unions. Whether the user works within the banking industry, financial industry, or is a consumer trying to choose a credit union, this guide will ease any user through the process.
Weiss Ratings' Guides
Weiss’ rating scale is extremely straightforward and easy to understand. There are no complicated number grades to interpret, no colored paper to decode, and no stars to count. Instead, each entry gets a simple, intuitive letter grade that immediately identifies the wheat from the chaff. This is one more reason why Weiss Ratings is widely recognized as "America's Consumer Advocate for Financial Safety." The Weiss Safety Ratings have been proven to be the most accurate available from any of the major rating agencies. Plus, unlike the other major rating agencies, Weiss does not accept compensation from the companies it rates, and thus does not allow companies to influence the ratings they receive or to suppress the release of their ratings. In fact, the U.S. General Accounting Office (GAO) validated Weiss’ accuracy in its Insurance Ratings study, and that same superior rating methodology is used when deriving all other ratings as well.
Note: If you find this work does not fit your budget, please print out this page and bring it to your local library. There is a reasonable chance they either have a copy, can direct you to a library that does, or will be willing to purchase it for their reference collection.