CAMELS rating system

CAMELS rating system
Subject: CAMELS
Agency: NCUA
Status: Final rule

The NCUA Board (the Board) is updating the NCUA’s supervisory rating system from CAMEL to CAMELS by adding the “S” (Sensitivity to Market Risk) component to the existing CAMEL rating system and redefining the “L” (Liquidity Risk) component. The benefits of adding the “S” component are to enhance transparency and allow the NCUA and federally insured natural person and corporate credit unions to better distinguish between liquidity risk (“L”) and sensitivity to market risk (“S”). The addition of “S” also enhances consistency between the supervision of credit unions and financial institutions supervised by the other banking agencies. The effective date of the rule will be April 1, 2022. The Board plans to implement the addition of the “S” rating component and a redefined “L” rating for examinations and contacts started on or after April 1, 2022.

FR Doc:


Date proposed: Jan. 14, 2021
Comments due date: May 10, 2021
Effective date:

April 1, 2022

Rule compliance date:
Agency release:

Board Approves Proposals on Risk-Based Capital, CAMEL System, and CUSO Lending

Related Reg Report item(s):

Expanded CUSO lending, subordinated debt buys by corporates, CAMEL + ‘S’, risk-based capital issues get action by NCUA Board