They rates banks based on customer satisfaction, stability (state-by-state failure rates), availability of high interest rates, and size of the banking community (more choices is better).
Having quality ownership, competent team management, and an extremely avid customer base are the ingredients for stability and success in any business.
The recent wave of consolidation has meant higher profits and more stability for the industry, which has led airlines to invest in technology, new airplanes and better customer service.