Frequently Asked Questions If all banks and credit unions have federal deposit insurance what difference does its rating make? How often are the star ratings updated? Why can't I find my bank or credit union? How are star ratings assigned? The rating went down from last time. Does that mean the institution is in trouble? Do banks and credit unions pay to be rated? How can I find the best banks and credit unions in my area? What if I want more than a Star-Rating? How can I see the historical Star-Ratings of a bank? What is the best report to protect my school's scholarship funds? Why are Puerto Rico, the Virgin Islands and other territories listed? Does Bauer use the CAMELS rating system? What sets Bauer apart from other rating agencies? What is the difference between a credit union and a bank? What is a Banker’s Bank? What is a Corporate Credit Union? What is Due Diligence? Does Bauer Provide Ratings for Letters of Credit or Bank Guarantees? Is Bauer like other Rating Agencies I read about (like Moody's and Standard and Poor's)? How can I file a Complaint about my Financial Institution? Skip back to main navigation