2023 US Savings

Financial Strength Rankings using Artificial Intelligence

Top rated	24 of 96
Best rating	63.3 %
Worst rating	-130 %
New companies	2
Negative Economic Capital Ratio

NSTS Bancorp Inc. climbed 50 positions from 66 to 16 due to its excellent Debt.LendingTree Inc. lost 87 positions from 8 to 95 due to its bad Expenses.MALVERN BANCORP INC. entered the 2023 ranking at rank 34, making it the best newcomer.

Revenues	20.8 B
Assets	8.40 K
Expenses	40.8 B
Stockholders Equity	219 B
Unprofitable Companies

Rank	Company	Seal	Rating Value	Trend
1	Open Lending Corp		63.33%	1.0
2	SWK Holdings Corp		60.62%	-1.0
3	NICHOLAS FINANCIAL INC		48.81%	1.0
4	Guild Holdings Co		36.45%	8.0
5	Rocket Companies Inc.		27.04%	8.0
6	Enova International Inc.		25.19%	0.0
7	CREDIT ACCEPTANCE CORP		22.07%	0.0
8	UWM Holdings Corp		20.96%	13.0
9	ENCORE CAPITAL GROUP INC		18.86%	1.0
10	LESAKA TECHNOLOGIES INC		18.06%	-7.0
11	AMERICAN HONDA FINANCE CORP		17.28%	5.0
12	Atlanticus Holdings Corp		17.03%	-1.0
13	EURONET WORLDWIDE INC.		16.19%	7.0
14	PennyMac Financial Services Inc.		14.66%	3.0
15	Cullman Bancorp Inc. MD		13.52%	0.0
16	NSTS Bancorp Inc.		13.06%	50.0
17	Regional Management Corp.		13.05%	-3.0
18	PACCAR FINANCIAL CORP		12.99%	7.0
19	BROADWAY FINANCIAL CORP \DE\		12.31%	49.0
20	NorthEast Community Bancorp Inc. MD		12.07%	6.0
21	William Penn Bancorporation		10.86%	-3.0
22	TC Bancshares Inc.		10.78%	1.0
23	OneMain Holdings Inc.		10.53%	1.0
24	Affirm Holdings Inc.		10.38%	-15.0
25	Waterstone Financial Inc.		10.09%	-3.0
26	Blue Foundry Bancorp		9.47%	3.0
27	Discover Financial Services		9.20%	0.0
28	Shepherd’s Finance LLC		9.20%	23.0
29	TOYOTA MOTOR CREDIT CORP		9.17%	17.0
30	Kentucky First Federal Bancorp		9.14%	4.0
31	Affinity Bancshares Inc.		8.11%	2.0
32	Bogota Financial Corp.		8.03%	-4.0
33	PCSB Financial Corp		7.99%	3.0
34	MALVERN BANCORP INC.		7.92%	0.0
35	Marathon Bancorp Inc. MD		7.92%	4.0
36	STANDARD PREMIUM FINANCE HOLDINGS INC.		7.80%	29.0
37	TIMBERLAND BANCORP INC		7.01%	22.0
38	ESSA Bancorp Inc.		6.99%	25.0
39	Territorial Bancorp Inc.		6.97%	14.0
40	Northfield Bancorp Inc.		6.88%	-2.0
41	CNH Industrial Capital LLC		6.76%	11.0
42	HomeTrust Bancshares Inc.		6.74%	27.0
43	PB Bankshares Inc.		6.68%	1.0
44	DEERE JOHN CAPITAL CORP		6.56%	11.0
45	Home Point Capital Inc.		6.47%	-3.0
46	Kearny Financial Corp.		6.22%	-9.0
47	NATIONAL RURAL UTILITIES COOPERATIVE FINANCE CORP DC		6.19%	44.0
48	PROVIDENT FINANCIAL SERVICES INC		6.18%	-1.0
49	SOUTHERN MISSOURI BANCORP INC.		6.13%	7.0
50	BROOKLINE BANCORP INC		6.11%	11.0
51	Sound Financial Bancorp Inc.		6.08%	19.0
52	Texas Community Bancshares Inc.		6.00%	-17.0
53	Third Coast Bancshares Inc.		5.75%	11.0
54	HERITAGE FINANCIAL CORP WA		5.65%	4.0
55	NELNET INC		5.58%	37.0
56	Capitol Federal Financial Inc.		5.56%	-8.0
57	BCB BANCORP INC		5.40%	17.0
58	Sterling Bancorp Inc.		5.40%	4.0
59	BankFinancial CORP		5.34%	30.0
60	LAKE SHORE BANCORP INC.		5.31%	-3.0
61	Western New England Bancorp Inc.		5.22%	26.0
62	Esquire Financial Holdings Inc.		5.20%	15.0
63	Home Federal Bancorp Inc. of Louisiana		5.15%	18.0
64	HOME BANCORP INC.		4.82%	-14.0
65	Citizens Community Bancorp Inc.		4.82%	6.0
66	FS Bancorp Inc.		4.75%	-12.0
67	FARMERS & MERCHANTS BANCORP INC		4.62%	9.0
68	First Guaranty Bancshares Inc.		4.54%	26.0
69	SLM Corp		4.50%	0.0
70	NORTHRIM BANCORP INC		4.25%	14.0
71	Korth Direct Mortgage Inc.		3.97%	17.0
72	SALISBURY BANCORP INC.		3.96%	13.0
73	Generations Bancorp NY Inc.		3.88%	-6.0
74	UMPQUA HOLDINGS CORP		3.75%	9.0
75	GREENE COUNTY BANCORP INC		3.60%	21.0
76	CODORUS VALLEY BANCORP INC		3.52%	19.0
77	BERKSHIRE HILLS BANCORP INC		3.50%	-4.0
78	QUAINT OAK BANCORP INC		3.44%	20.0
79	HMN FINANCIAL INC		3.22%	-4.0
80	BankUnited Inc.		3.02%	2.0
81	First Savings Financial Group Inc.		2.87%	-21.0
82	FEDERAL AGRICULTURAL MORTGAGE CORP		2.84%	18.0
83	PLUMAS BANCORP		2.83%	7.0
84	First Northwest Bancorp		2.75%	-5.0
85	Eastern Bankshares Inc.		2.66%	-42.0
86	IF Bancorp Inc.		2.64%	-8.0
87	Mid-Southern Bancorp Inc.		2.29%	-57.0
88	Farmers & Merchants Bancshares Inc.		2.23%	5.0
89	OCWEN FINANCIAL CORP		2.09%	12.0
90	FIRST NORTHERN COMMUNITY BANCORP		1.99%	7.0
91	FIRST CAPITAL INC		1.55%	-11.0
92	FEDERAL NATIONAL MORTGAGE ASSOCIATION FANNIE MAE		1.01%	10.0
93	FEDERAL HOME LOAN MORTGAGE CORP		0.86%	10.0
94	Finward Bancorp		0.73%	-8.0
95	LendingTree Inc.		-7.67%	-87.0
96	Freedom Holdings Inc.		-129.81%	8.0
Rank	Company	Seal	Rating Value	Trend