NCUA uses a total analysis process that includes: collecting, reviewing, and
interpreting data; reaching conclusions; making recommendations; and developing
action plans. The objectives of the total analysis process include evaluating
CAMEL7 components, and reviewing qualitative and quantitative measures.
NCUA uses the CAMEL Rating System for evaluating the soundness of credit
unions on a uniform basis, the degree of risk to the NCUSIF, and for identifying
those institutions requiring special supervisory attention or concern. The CAMEL
rating includes consideration of key ratios, supporting ratios, and trends. Generally,
the examiner uses the key ratios to evaluate and appraise the credit union’s overall