Federal Reserve Chairman Ben Bernanke and Treasury Secretary Tim Geithner handled the government's stress tests masterfully, Jim Cramer said on CNBC's "Stop Trading!" segment Friday. "The bears are overmatched by both Bernanke and Geithner," he said. "They're not getting it. They're not getting what they did. It was so brilliant." The stress tests said banks will have to put up more capital, which means the tests have been serious, but then the government won't actually force the institutions to do anything. Essentially, it's a delay that gives the banks more time, Cramer said. "This whole exercise is about saying to the bears, 'hey listen pals, you said we were going to be lenient, everybody needs more capital,' and then doing nothing," he said. However, it also likely means that Goldman Sachs ( GS) and JPMorgan Chase ( JPM), for instance, won't be able to return TARP funds yet, Cramer said.