How does your bank or credit union compare with others? Independent bank research firm BauerFinancial of Coral Gables, Fla., provides a rating for most U.S. financial institutions. For details on their rating system, visit www.bauerfinancial.com.

The ratings were updated Dec. 10, 2013, with information as of Sept. 30, 2013, the most current available. Our portion of the directory contains the institutions based in or most closely affiliated with Pennsylvania.

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Note: If you are having trouble finding your financial institution, try using a less specific term or one word out of your bank or credit union's name (for instance, "First Capital" rather than "First Capital Federal Credit Union.")

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What the ratings mean

*****= Superior ****= Excellent *** 1/2= Good ***= Adequate **= Problematic *= Troubled Zero= The lowest rating S.U.= Start-up; too new to rate FDIC= Bank has been taken over by government regulators N.R.= Not rated (credit unions only - either the credit union has less than $1.5 million in assets or it does not have federal share insurance via NCUA) RSLVD= Credit union has failed and been resolved

Of note in Pennsylvania

In Pennsylvania, 80.2% of banks and 70.6% of credit unions earned the "recommended" rating as of the Sept. 30, 2013, scores. 5.1% of banks and 3.9% of credit unions had ratings of "troubled" and "problematic."

In comparison, in the Sept. 30, 2012, scores, 79.6% of banks and 70.8% of credit unions earned the "recommended" rating and 6.5% of banks and 3.2% of credit unions had ratings of "troubled" and "problematic."