HOW TO USE THIS GUIDE TO RATIO CALCULATION
” component of the CAMEL Rating System. In late 2007, NCUA issued a new directive – NCUA Letter 07-CU-12 – which, in conjunction with NCUA Letter 02-FCU- 09, broadened the regulatory focus from a ratio driven assessment to a risk focused exam. The seven categories of risk are: Credit Risk. Interest Rate Risk . Liquidity Risk. Transaction Risk ................
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