BauerFinancial is an independent company that has been reporting on and analyzing the performance of banks and credit unions since 1983. Each bank and credit union that receives a rating from BauerFinancial has not paid to receive its rating, nor can they prevent their rating from being posted.

As of March 2012, TruWest Credit Union continues to earn the top five star ("Superior") rating, on BauerFinancial’s ranking. Any institution with a four or five star rating is considered a sound financial institution and comes recommended as a place for consumers to consider with their financial business.

How the Rating is Determined
In addition to the financial institution’s capital ratio, other criteria are used to determine the rating it receives. Some of these include but are not limited to: profitability/loss trend, evaluating the level of delinquent loans, charge-offs and repossessed assets, the market versus book value of the investment portfolio, regulatory supervisory agreements, the community reinvestment rating (CRA), historical data and liquidity. Because TruWest continues to be financially strong, we are one of the few credit unions in the Phoenix and Austin markets to be awarded the top five star superior rating.