IDC Financial Publishing, Inc. (IDCFP) uses the acronym CAMEL to represent the financial ratios we use to evaluate the safety and soundness of commercial banks and savings institutions. This article explains how we use the capital requirements ratios in banks as a component of its CAMEL ranking, and why it…
Credit unions issuing brokered CDs averaged just 5 institutions per quarter from 2008 to 2015. Beginning in the 1st quarter of 2015, these institutions accelerated from 4 to 117 by the 3rd quarter of 2018 (see Table I), and, as of this article publishing date, rose again to 129. IDC…
ROE Compared to COE is the Best Indicator of Bank Stock Value IDC Financial Publishing (IDCFP) measures relative profitability of bank holding companies by comparing the IDCFP return on equity (NOPAT ROE) to its definition of the cost of equity (COE). Margin between ROE and COE (included in the “M” in…
Our Estimate of Total Brokered CDs Less Than $250K For Each Bank and Credit Union In last week’s article, we highlighted our estimates for DTC brokered CDs outstanding. We forecast an increase of 140% from the $400 billion balance at year-end 2018, to reach to $960 billion by year-end 2021, an…
IDC Financial Publishing, Inc. (IDCFP) utilizes the acronym CAMEL to represent the financial ratios used to evaluate the safety and soundness of commercial banks, savings institutions and credit unions. This article explains how IDCFP uses liquidity as a component of its CAMEL ranking system and why it is valuable and…
