Bauer Financial is an independent ratings firm that analyzes all American banking and financial institutions. Their rating system ranges from zero to five stars (low to high). Institutions can’t pay to be rated, and neither can they choose to be excluded. Bauer Financial is a highly regarded source of unbiased analysis in the banking and credit union industries. We’re very pleased that LMCU has earned this “superior” rating for 2012. Learn more at their website, www.bauerfinancial.com.