In June 2010, examiners conducted a supervision contact of ENY FCU for two
reasons: 1) regional management assigned a new, more experienced EIC; and 2)
the Credit Union’s ratios and profitability were declining. As a result of the review,
the composite CAMEL rating was downgraded to a 3. The examiner specifically
cited the observation of the downward trend that began in 2006 as shown in
Table 1 (below):