LATHAM, N.Y. – Eighty-six percent of credit unions in the Empire State received excellent (four-star) to superior (five-star) ratings from BauerFinancial. A total of 467 New York State credit unions were rated, with 401 receiving the highest ratings from BauerFinancial. New York State Credit Union League President/CEO William Mellin said the high designations were a reflection on the quality of service that credit unions are offering their members throughout the state. To derive the ratings, Bauer used data from the NCUA in various areas such as capital, historical trends, loan delinquencies, differences in book and market values of investment portfolios, profitability, reserves, charge-offs, regulatory compliance, and asset quality. After the information was analyzed, Bauer assigned CUs a star rating of five for "superior", to zero, the lowest rating.