The Weiss rating measured on a scale from A to F based on each stock’s performance and risk. (See Rating Definitions).

Indicates whether the rating has recently changed.

Loans whose terms have been modified in order to enable the borrower to make payments which he otherwise would be unable to make. Modifications could include a reduction in the interest rate or a lengthening of the time to maturity.

The ratio of net income for the year (year-to-date quarterly figures are converted to a 12-month equivalent) as a percentage of average assets for the year. This ratio, known as ROA, is the most commonly used benchmark for bank profitability since it measures the company’s return on investment in a format that is easily comparable with other companies.

Historically speaking, a ratio of 1.0% or greater has been considered good performance. However, this ratio will fluctuate with the prevailing economic times. Also, larger banks tend to have a lower ratio.

The ratio of net income for the year (year-to-date quarterly figures are converted to a 12-month equivalent) as a percentage of average assets for the year. This ratio, known as ROA, is the most commonly used benchmark for credit union profitability since it measures the company’s return on investment in a format that is easily comparable with other companies. Historically speaking, a ratio of 1.0% or greater has been considered good performance. However, this ratio will fluctuate with the prevailing economic times. Also, larger credit unions tend to have a lower ratio.

The ratio of net income for the year (year-to-date quarterly figures are converted to a 12-month equivalent) as a percentage of average equity for the year. This ratio, known as ROE, is commonly used by a company’s shareholders as a measure of their return on investment. It is not always a good measure of profitability, however, because inadequate equity levels at some institutions can result in inappropriately high ROE’s.

The sum of assets and certain off-balance sheet items after they have been individually adjusted for the level of credit risk they pose to the institution. Assets with close to no risk are weighted 0%; those with minor risk are weighted 20%; those with low risk, 50%; and those with normal or high risk, 100%.