2018 US Savings

Financial Strength Rankings using Artificial Intelligence

Top rated	27 of 108
Best rating	101 %
Worst rating	-91.5 %
New companies	21
Negative Economic Capital Ratio

ACCESS NATIONAL CORP climbed 37 positions from 72 to 35 due to its excellent Loans.PHH CORP lost 87 positions from 13 to 100 due to its bad Operating Expenses.SWK Holdings Corp entered the 2018 ranking at rank 1, making it the best newcomer.

Revenues	17.2 B
Assets	6.16 K
Expenses	55.8 B
Stockholders Equity	87.4 B
Unprofitable Companies

Rank	Company	Seal	Rating Value	Trend
1	SWK Holdings Corp		101.34%	0.0
2	WORLD ACCEPTANCE CORP		52.50%	0.0
3	LESAKA TECHNOLOGIES INC		41.40%	0.0
4	LendingTree Inc.		29.86%	-3.0
5	CREDIT ACCEPTANCE CORP		29.35%	-1.0
6	NICHOLAS FINANCIAL INC		21.43%	0.0
7	Regional Management Corp.		21.09%	0.0
8	PIONEER FINANCIAL SERVICES INC		20.74%	0.0
9	PNMAC Holdings Inc.		18.00%	-4.0
10	Enova International Inc.		17.14%	-1.0
11	Community First Bancshares Inc.		16.63%	0.0
12	PACCAR FINANCIAL CORP		15.57%	0.0
13	Waterstone Financial Inc.		14.49%	-1.0
14	ONEMAIN FINANCE CORP		13.55%	-4.0
15	FFBW Inc.		12.98%	0.0
16	Heritage NOLA Bancorp Inc.		12.88%	0.0
17	Kentucky First Federal Bancorp		12.54%	-3.0
18	Santander Consumer USA Holdings Inc.		12.28%	6.0
19	WCF Bancorp Inc.		12.04%	0.0
20	Ottawa Bancorp Inc		11.98%	-5.0
21	Clifton Bancorp Inc.		11.91%	-10.0
22	ENCORE CAPITAL GROUP INC		11.45%	-1.0
23	PCSB Financial Corp		11.34%	0.0
24	AMERICAN HONDA FINANCE CORP		11.12%	-7.0
25	Oconee Federal Financial Corp.		10.61%	-7.0
26	OneMain Holdings Inc.		10.33%	-6.0
27	UMPQUA HOLDINGS CORP		9.50%	-4.0
28	Northfield Bancorp Inc.		9.37%	-3.0
29	Shepherd’s Finance LLC		9.34%	-7.0
30	PB Bancorp Inc.		9.26%	-4.0
31	First Northwest Bancorp		9.18%	-12.0
32	Esquire Financial Holdings Inc.		9.16%	0.0
33	PDL Community Bancorp		9.06%	0.0
34	LAKE SHORE BANCORP INC.		8.75%	-4.0
35	ACCESS NATIONAL CORP		8.53%	37.0
36	Bancorp 34 Inc.		8.35%	0.0
37	Equitable Financial Corp.		8.24%	-10.0
38	FS Bancorp Inc.		8.17%	18.0
39	PROVIDENT FINANCIAL SERVICES INC		8.05%	0.0
40	Discover Financial Services		7.98%	-12.0
41	CHARTER FINANCIAL CORP		7.78%	-8.0
42	NORTHRIM BANCORP INC		7.72%	1.0
43	HERITAGE FINANCIAL CORP WA		7.71%	-1.0
44	IBM CREDIT LLC		7.68%	0.0
45	CNH Industrial Capital LLC		7.66%	0.0
46	Provident Bancorp Inc.		7.55%	-10.0
47	SLM Corp		7.48%	-9.0
48	MSB FINANCIAL CORP		7.47%	-17.0
49	LendingClub Corp		7.44%	3.0
50	BERKSHIRE HILLS BANCORP INC		7.37%	-4.0
51	United Community Bancorp		7.35%	-14.0
52	BROOKLINE BANCORP INC		7.15%	1.0
53	VECTA INC.		7.10%	11.0
54	BankFinancial CORP		7.06%	-9.0
55	New Bancorp Inc.		7.02%	-8.0
56	Territorial Bancorp Inc.		7.00%	-12.0
57	HomeTrust Bancshares Inc.		6.94%	-16.0
58	Axos Financial Inc.		6.92%	-1.0
59	FIRST CAPITAL INC		6.76%	6.0
60	Poage Bankshares Inc.		6.71%	-25.0
61	LegacyTexas Financial Group Inc.		6.61%	-11.0
62	Cincinnati Bancorp		6.59%	-13.0
63	BROADWAY FINANCIAL CORP \DE\		6.59%	0.0
64	DEERE JOHN CAPITAL CORP		6.59%	-9.0
65	HMN FINANCIAL INC		6.55%	-14.0
66	Home Federal Bancorp Inc. of Louisiana		6.53%	-18.0
67	Finward Bancorp		6.48%	6.0
68	Farmers & Merchants Bancshares Inc.		6.45%	0.0
69	First Savings Financial Group Inc.		6.40%	0.0
70	Sound Financial Bancorp Inc.		6.16%	-12.0
71	1ST CONSTITUTION BANCORP		6.13%	-10.0
72	SI Financial Group Inc.		5.94%	-13.0
73	ESSA Bancorp Inc.		5.89%	-4.0
74	Seneca Financial Corp.		5.83%	0.0
75	SALISBURY BANCORP INC.		5.83%	0.0
76	CODORUS VALLEY BANCORP INC		5.80%	-8.0
77	DIME COMMUNITY BANCSHARES INC		5.80%	-17.0
78	MALVERN BANCORP INC.		5.75%	0.0
79	Best Hometown Bancorp Inc.		5.63%	0.0
80	GREENE COUNTY BANCORP INC		5.60%	-9.0
81	Entegra Financial Corp.		5.56%	-11.0
82	QUAINT OAK BANCORP INC		5.51%	-16.0
83	NELNET INC		5.49%	-4.0
84	Coastway Bancorp Inc.		5.45%	-21.0
85	CORTLAND BANCORP INC		5.38%	-5.0
86	BCB BANCORP INC		5.36%	-1.0
87	FSB Bancorp Inc.		5.29%	-33.0
88	First Connecticut Bancorp Inc.		5.24%	-13.0
89	Atlantic Coast Financial CORP		5.20%	-22.0
90	First Guaranty Bancshares Inc.		5.13%	-13.0
91	PLUMAS BANCORP		5.09%	-10.0
92	FIRST NORTHERN COMMUNITY BANCORP		4.91%	-10.0
93	FLAGSTAR BANCORP INC		4.65%	-31.0
94	Magyar Bancorp Inc.		4.55%	-10.0
95	Citizens Community Bancorp Inc.		4.34%	-19.0
96	Wellesley Bancorp Inc.		4.26%	-13.0
97	TOYOTA MOTOR CREDIT CORP		4.26%	-19.0
98	BankGuam Holding Co		4.10%	-12.0
99	SSB Bancorp Inc.		4.02%	0.0
100	PHH CORP		3.94%	-87.0
101	NATIONAL RURAL UTILITIES COOPERATIVE FINANCE CORP DC		3.53%	-11.0
102	CARVER BANCORP INC		2.89%	-14.0
103	OCWEN FINANCIAL CORP		1.79%	-14.0
104	AMERICAN EXPRESS CREDIT CORP		1.71%	-17.0
105	FEDERAL HOME LOAN MORTGAGE CORP		0.26%	-14.0
106	FEDERAL NATIONAL MORTGAGE ASSOCIATION FANNIE MAE		0.02%	-14.0
107	Korth Direct Mortgage Inc.		-17.96%	0.0
108	Mr. Amazing Loans Corp		-91.55%	-15.0
Rank	Company	Seal	Rating Value	Trend