HOW TO USE THIS GUIDE TO RATIO CALCULATION
Return on Average Assets - annualized percentage of income remaining after provision for loan loss and cost of funds. Percentage that contributes to increases or decreases to regular reserves and undivided earnings. Guideline: 1% or higher is CAMEL Code 1 under NCUA Letter 03-CU-04.80 - .99 is CAMEL Code 2.35 - .70 is CAMEL Code 3 ................
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