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How are you doing on a 1-10 scale? Lenders tell me…

I have started asking lenders in my Tax Return Analysis training for banks and credit unions where they are on a 1-10 scale.

10 is the best year they had in the last ten years.
1 is the worst year of the recession.

In Southern California, the answer is averaging out to 5. Another way to think of this is ‘halfway back’.

Where are you and your financial institution on a 1-10 scale? Use the comments below, give us your rating and your geographic region.

About the Author
Linda Keith CPA is an expert in credit risk readiness and credit analysis. She trains banks and credit unions throughout the United States, both in-house and in open-enrollment sessions, on Tax Return and Financial Statement Analysis. She is in the trenches with lenders, analysts and underwriters helping them say "yes" to good loans. Creator of the Tax Return Analysis Virtual Classroom at, she speaks at banking associations on risk management, lending and director finance topics.