Need help with E4-26.... especially with section b. thanks

Compute the return on equity (ROE), the times interest earned ratio and the total liabilities to equation ratio for 2012 for the company's two business segments and the company as a whole (Use year equity for return on equity calculation) b. What is your overall assessment of the company's credit risk? Explain. What differences do you observe between the two business segments? Do these difference correspond to your prior experimentations given each company's business model? c. Discuss the implications of the analysis of consolidated financial statements and the additional insight that can be gained from a more in depth analysis of primary business segments. Selected balance sheet and income statement information for Nordstrom, Inc. for 2014 and 2013 follows. a. Compute the following liquidity, solvency and coverage ratios for the both years. Current ratio Quick ratio Liabilities to equity ratio Long term debt to equity Times interest earned Cash from operations to total debt Free operating cash flow to total debt b. What is your overall assessment of the company's credit risk? Explain. What differences do your observe between the two years