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September 2013 DIVER Geo Scores Released

Stocks in this article: SFE

Earlier this summer, Lumesis introduced the DIVER Geo Score , which represents a relative score of the economic health of a U.S. State, county or city. Based on a scale of 0-10, with 10 being the best, this data is updated monthly and is calculated from multiple economic and demographic factors related to three primary data categories—employment, income and housing.

Here are the latest results through September 30, 2013:


North Dakota topped the State Geo Score. Minnesota and Nebraska were added to the Top Ten, bumping out Maryland and Connecticut, with their Geo Score suffering a significant decline of 2.0 and 1.8, respectively.

Best Locations    



Most Improved


Score Change

North Dakota     10.0     California     2.2
Washington, D.C.     9.8     Colorado     1.6
Vermont     9.6     Illinois     1.4
Wyoming     9.4     Alabama     1.0
New Hampshire     9.2     Minnesota     1.0
South Dakota     9.0     Montana     1.0
Virginia     8.8     Washington     1.0
Massachusetts     8.6     Arizona     0.8


    8.4     South Dakota     0.8
Minnesota     8.2     Iowa     0.6

Nevada represented the lowest Geo Score with no change from twelve months ago. New Mexico, Indiana and Ohio were added to the Ten Worst States, due to three major factors: all logging increases in poverty levels, foreclosure rates and unemployment rates. Furthermore, each of these States experienced at least two of three instances in the last twelve months. Exiting the ranks of the Ten Worst States from one year ago were California (with best year-on-year change of +2.2), Alabama (4 th best year-on-year change of +1.0) and Kentucky.


Worst Locations

Nevada     0.0
Mississippi     0.2
South Carolina     0.4
Georgia     0.6
Michigan     0.8
Florida     1.0
Arizona     1.2
New Mexico     1.4
Ohio     1.6
Indiana     1.8


Key Takeaways: Stability at the Top; Shuffle at the Bottom; Indiana Counties Dominate U.S. Ranks of “Worst Performers”

The Top Ten County Geo Scores saw only one new entrant—Midland, TX—which replaced Burke, ND. The worst County Geo Score was Yuma, AZ. Nine of the ten worst-scored counties did not show up in the bottom ranks twelve months ago. The “Worst Locations” category is dominated by counties in Georgia (3), Florida (3) and Arizona (2).



Best Locations     Score    

Worst Locations

Bristol Bay, AK     10.0     Yuma, AZ     0.0
Williams, ND     10.0     St. Lucie, FL     0.0
Slope, ND     10.0     Jenkins, GA     0.0
Dunn, ND     10.0     Telfair, GA     0.0
Denali, AK     10.0     Hancock, GA     0.0
McKenzie, ND     10.0     Hendry, FL     0.0
Midland, TX     10.0     Flagler, FL     0.0
Mountrail, ND     10.0     Imperial, CA     0.0
Stark, ND     10.0     Holmes, MS     0.0
New York, NY     10.0     Apache, AZ     0.0

Showing the greatest improvement amongst its counties was California, taking eight of ten counties. This can be primarily attributed to decreases in both rates of unemployment and foreclosures, with increases in housing prices. Five of the most significant Geo Score declines were in counties within Indiana. Contrary to the counties referenced for California, these five Indiana counties saw increases in both rates of unemployment and foreclosures.


Most Improved


Score Changes


Worst Decline


Score Changes

Nevada, CA     6.1     Sabine, TX     -6.9
Placer, CA     5.2     Putnam, IL     -4.8
Lake, IL     4.8     Monroe, PA     -4.6
Mariposa, CA     4.8     Ohio, IN     -4.4
Colusa, CA     4.6     Jackson, IN     -4.1
Tuolumne, CA     4.2     Pike, IN     -3.9
Camas, ID     4.2     Wabash, IN     -3.9
Contra Costa, CA     4.1     Baltimore, MD     -3.9
San Benito, CA     4.1     Wells, IN     -3.6
Inyo, CA     3.9     Charles, MD     -3.6


Key Takeaways: Top Ten Illuminate a Westward Shift, with Flint, MI Edging Detroit, MI for Worst City

The city of Midland, TX maintained its hold as the “Best Location” by city, with California claiming six of the Top Ten U.S. cities.


Best Locations


Worst Locations

Midland, TX     10.0     Flint, MI     0.0
Odessa, TX     10.0     Detroit, MI     0.0
Alexandria, VA     10.0     Palm Coast, FL     0.0
Palo Alto, CA     9.9     Victorville, CA     0.1
Walnut Creek, CA     9.9     Port St. Lucie, FL     0.1
Mountain View, CA     9.9     Merced, CA     0.1
Sunnyvale, CA     9.8     Dayton, OH     0.2
Newton, MA     9.8     Cleveland, OH     0.2
San Mateo, CA     9.8     Toledo, OH     0.2

Torrance, CA

    9.7     Youngstown, OH     0.3

Cities with the greatest increase in Geo Score year-over-year had a California bias, claiming seven of the Top Ten U.S. cities.


Most Improved


Score Changes


Worst Decline


Score Changes

Redding, CA     3.4     Peoria, IL     -3.8
Roseville, CA     2.7     Baltimore, MD     -2.9
Temecula, CA     2.8     Port St. Lucie, FL     -3.2
Bakersfield, CA     2.8     Killeen, TX     -2.5
Hayward, CA     2.2     Warner Robins, GA     -2.5
Santa Rosa, CA     2.3     Bridgeport, CT     -2.3
Oxnard, CA     2.4     Winston-Salem, NC     -2.2
Joliet, IL     2.3     Sparks, NV     -2.1
Everett, WA     1.5     Clarksville, TN     -2.0
Phoenix, AZ     1.8     Decatur, IL     -2.0

For a list of the Top 25 States/Counties/Cities, Bottom 25 States/Counties/Cities, and the Best and Worst 25 States/Counties/Cities year-over-year, visit or contact Lumesis at or 203.276.6500.

About Lumesis

Lumesis is a Software-as-a-Service (SaaS), cloud-based financial technology company dedicated to delivering simple-to-use powerful technology for the Municipal Marketplace. Lumesis has three products in its DIVER solution offering—DIVER Advisor, DIVER Analytics, and DIVER Data Services—which offer software solutions and comprehensive data on more than 54,000 issuers within the municipal market. DIVER Advisor is a comprehensive compliance and information delivery platform serving Financial Advisor networks, helping them address the Time of Trade Disclosure obligations. It is designed to improve customer satisfaction, while protecting the firm through a robust compliance infrastructure. DIVER Analytics is a suite of powerful analytical and visualization tools serving Credit Analysts, Portfolio Managers and Risk Managers. Analytics provides access to hundreds of datasets. DIVER  Data Services matches user data and information needs with comprehensive data, analytical and delivery expertise. To learn more about Lumesis, please visit or contact us at

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