IDC Financial Publishing, Inc. (IDC), a bank rating agency, has been rating the safety and soundness of banks, savings institutions, and credit unions since 1985. Every quarter, IDC calculates a one-number rank for over 15,000 financial institutions, using our unique "CAMEL" analysis (Capital adequacy, Asset quality, Margins, Earnings returns, and Leverage and Liquidity) of 24 key financial ratios.
Our bank safety ratings range from 1 (the lowest) to 300 (the highest) and fall into one of six categories: Superior, Excellent, Average, Below Average, Lowest Ratios, and Rank of One. As a bank rating agency, IDC's methodology for ranking financial institutions for safety is an open platform, allowing banks, savings institutions, credit unions, and any client to understand financial ratios and rank for a specific institution.
Those subscribing to IDC’s bank ratings have access to qualified IDC analysts, who can answer questions or concerns about our bank rating system and the calculations used in the rating process. Our analysis is strictly based on the financial information reported by each institution to agencies of the federal government.
Developed by IDC’s CFA, President and Editor-in-Chief John E. Rickmeier, IDC’s bank rating system is a unique method of evaluating financial institutions based on CAMEL. IDC emphasizes the “M” in CAMEL, which stands for “margins.” IDC analyzes margins to measure a bank’s management's performance.