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Home » Compliance: CAMELS rating system changes effective April 1
Policy & Issues

Compliance: CAMELS rating system changes effective April 1

March 21, 2022
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Changes to NCUA’s rating system change to CAMELS—from CAMEL—starting April 1. Credit unions with examinations beginning on or after April 1 will fall under the new system.

The acronym stands for Capital adequacy, Asset quality, Management, Earnings, Liquidity, and Sensitivity to market risk.

Under the CAMELS rating system:

  • The “S” component addresses sensitivity to market risk and interest rate risk (IRR) governance. It documents a credit union’s market sensitivity level and how the credit union measures, monitors, and manages market sensitivity. 
  • The “L” component evaluation is modified to only consider available sources of funds and liquidity risk management It documents a credit union’s liquidity risk level and the credit union’s liquidity risk management program.

NCUA issued a Letter to Credit Unions (22-CU-05) recently with appendices including the updated CAMELS rating system and addressing common questions regarding the updated system.

Additional information can be found on CUNA’s CompBlog.

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