New RBC2 resources from CUNA include risk-based calculator

January 30, 2015

WASHINGTON (2/2/15)--The Credit Union National Association continues to provide resources to the credit union system regarding the National Credit Union Administration's revised risk-based capital proposal (RBC2).

CUNA's Risk-Based Capital Action Center now includes a list of credit unions with RBC ratio estimates and a calculator tool.  Both of these resources are now available in the members-only section of CUNA's Risk-Based Capital Action Center.

The calculator begins with data imported from a credit union's September 2014 call report, and then allows the credit union to redistribute assets into the new categories in RBC2, generating an accurate RBC ratio. 

CUNA staff has added a list of estimates for all credit unions sorted alphabetically by state. Each credit union has its capital classification under the current prompt corrective action system, the original risk-based capital proposal from last year and RBC2. The data used is current as of September 2014.

"The estimator auto-populates each credit union's data using conservative assumptions that mirror those being used by the NCUA," said Mike Schenk, CUNA vice president of economics and statistics. "The credit union is thus relieved from the lengthy process of inputting detailed call report data, although once the auto-population occurs they can conduct what-if analyses by manually changing the assumed data allocations."

CUNA has also posted a new chart about the impact of the proposal and a summary focusing on particular areas of concern.

CUNA Risk-Based Capital Action Center