CAMELS rating system

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

The Board is proposing to add the “S” (Sensitivity to Market Risk) component to the existing CAMEL rating system and redefine the “L” (Liquidity Risk) component, thus updating the rating system from CAMEL to CAMELS. The proposal to add the “S” component will enhance transparency and allow the NCUA, State Supervisory Authorities, and federally insured credit unions to better distinguish between liquidity risk (“L”) and sensitivity to market risk (“S”). The amendment would also enhance consistency between the regulation of credit unions and other financial institutions. The Board is proposing to implement the addition of the “S” rating component and a redefined “L” rating as early as the first quarter of 2022.

FR Doc:


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

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