c. myblog

May 1, 2014

Risk-Based Capital Proposed Rule

The deadline for responses to the NCUA’s Risk-Based Capital Proposed Rule is quickly approaching and we are working hard on our response.  We have our draft response available – if you are interested in reading it, please contact us.

April 24, 2014

Thank Goodness the Proposed Risk-Based Capital Rule Doesn’t Affect Me!

If you’ve looked at NCUA’s calculator and determined that the rule won’t hurt you, go ahead and breathe a sigh of relief.  Then set aside some time to at least look at the table of risk weightings and some of the many analyses that have been done by various groups.  This is a cooperative industry […]

April 17, 2014

MBS and other Asset-Backed Investments in the Prompt Corrective Action—Risk-Based Capital Proposed Rule

The proposed rule promotes two options for determining the risk-weights of asset-backed investments, such as mortgage-backed securities (MBS) and collateralized mortgage obligations (CMOs). One uses the current weighted average life for mortgage-backed investments. The other assigns an arbitrary risk weighting of 1,250%. “Proposed §702.104(c)(2)(x) would require that credit unions assign a 1,250 percent risk-weight (8% […]

March 27, 2014

Survey: NCUA’s Risk-Based Capital Proposed Rule

NCUA recently proposed a Risk-Based Capital rule that will change the way credit unions compute their risk-based capital ratio. The comment period for this proposed rule ends May 28 and many comments have already been received. We want to hear from you—is your credit union planning to submit comments on this proposed rule? Let us […]

November 15, 2013

Survey on NCUA Proposed Rule for Capital Planning and Stress Testing

Recently, NCUA released its proposed rule for capital planning and stress testing.  Even though the regulation will only affect credit unions with assets $10 billion and above, consider your institution.  How adequately prepared are you if, in the future, this rule were to be applied to credit unions under $10 billion in assets? Let us […]

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