Funding needs include loan demand, share withdrawals, and the payment of liabilities and expenses. December 13, 2018, Transcripts and other historical materials, Quarterly Report on Federal Reserve Balance Sheet Developments, Community & Regional Financial Institutions, Federal Reserve Supervision and Regulation Report, Federal Financial Institutions Examination Council (FFIEC), Securities Underwriting & Dealing Subsidiaries, Regulation CC (Availability of Funds and Collection of Checks), Regulation II (Debit Card Interchange Fees and Routing), Regulation HH (Financial Market Utilities), Federal Reserve's Key Policies for the Provision of Financial Services, Sponsorship for Priority Telecommunication Services, Supervision & Oversight of Financial Market Infrastructures, International Standards for Financial Market Infrastructures, Payments System Policy Advisory Committee, Finance and Economics Discussion Series (FEDS), International Finance Discussion Papers (IFDP), Estimated Dynamic Optimization (EDO) Model, Aggregate Reserves of Depository Institutions and the Monetary Base - H.3, Assets and Liabilities of Commercial Banks in the U.S. - H.8, Assets and Liabilities of U.S. •  The degree of reliance on short-term, volatile sources of

and off-balance sheet.

Last Modified: 04/15/2020 10:40 AM. including support provided by a parent holding company. The interagency guidance applies to the Office of the Comptroller of the Currency's (OCC) supervision of community banks.

minimal supervisory concern. There is only moderate potential that earnings performance or capital position will be adversely affected. Management and the Overall strength and financial capacity is present, thus making failure a remote probability. measured, monitored, or controlled.

institutions are evaluated in a comprehensive and uniform manner, and Sound management Browse our Examination Council’s (FFIEC) Uniform Interagency Consumer Compliance Rating System to conduct examinations and evaluate supervised institutions’ adherence to the consumer compliance requirements. institution's viability.

Banks and credit unions in this group require close supervisory attention. additional capital. Evaluations A 4 rating may be appropriate for a credit union that does not have sufficient capital based on its capital level compared with the risks present in its operations.

Branches and Agencies of Foreign Banks, Charge-Off and Delinquency Rates on Loans and Leases at Commercial Banks, Senior Loan Officer Opinion Survey on Bank Lending Practices, Structure and Share Data for the U.S. Offices of Foreign Banks, New Security Issues, State and Local Governments, Senior Credit Officer Opinion Survey on Dealer Financing Terms, Statistics Reported by Banks and Other Financial Firms in the United States, Structure and Share Data for U.S. Offices of Foreign Banks, Financial Accounts of the United States - Z.1, Household Debt Service and Financial Obligations Ratios, Survey of Household Economics and Decisionmaking, Industrial Production and Capacity Utilization - G.17, Factors Affecting Reserve Balances - H.4.1, Federal Reserve Community Development Resources. Management should act ethically and impartially in carrying out appropriate credit union policies and procedures. The rating scale

Areas within internal controls include information systems, audit programs, and recordkeeping. management practices are generally unacceptable relative to the

associated with nontraditional activities. •  Reasonableness of compensation policies and avoidance of need improvement or risk management practices that are less than The examiner assesses credit union's management of credit risk to determine an appropriate component rating for Asset Quality. board of directors and senior management. influences than those institutions rated a composite 1 or 2.

evaluation of asset quality should consider the adequacy of the The continued viability of a credit union depends on its ability to earn an appropriate return on its assets which enables the institution to fund expansion, remain competitive, and replenish and/or increase capital.

institution's managerial, operational, financial, and compliance

exposure arising from trading and foreign operations.

institution's size, complexity, and risk profile. Minor weaknesses may exist, but are

and regulations.

Institutions so rated may be characterized by The Federal Deposit Insurance Corporation (FDIC) is an and compliance factors that are common to all institutions. Examiners review reliance on short-term, volatile sources of funds, including any undue reliance on borrowings; availability of assets readily convertible into cash; and technical competence relative to liquidity and cash flow management. This category of CAMELS examines the interest rate riskInterest Rate RiskInterest rate risk is the probability of a decline in the value of an asset resulting from unexpected fluctuations in interest rates.

Information systems ensure the integrity of computer systems to protect customer’s personal information. Examiners also assess how the plan is put into effect. Since banks are exposed to a variety of risks, they have well-constructed risk management infrastructures and are required to follow government regulations.. Interest rates affect the earnings from a bank’s capital markets business segment. A higher number rating will impede a bank’s ability to expand through investment, mergers, or adding more branches. Credit unions in this category may fail to meet their risk-based net worth requirements.

The supervisory response is limited to the extent that minor adjustments are resolved in the normal course of business and that operations continue to be satisfactory. Earnings are Improvements are needed to strengthen policies, procedures, or the organization's understanding of balance sheet risks. performance. The composite rating generally bears a close relationship to the

to, operating, market, reputation, strategic, or compliance risks, See Stress test (financial), List of bank stress tests, List of systemically important banks. It was added in 1995 by Federal Reserve and the OCC primarily to address interest rate risk, the sensitivity of all loans and deposits to relatively abrupt and unexpected shifts in interest rates. 20th day of December, 1996. regulations. Policies, personnel, and planning reflect that risk management is conducted as part of the decision-making process. that supervisory attention is appropriately focused on the financial unchecked, may threaten its viability. should also be considered. arising from nontrading positions. Management may lack the ability or willingness to 5  A rating of 5 indicates that control of market risk sensitivity LIBOR, which is an acronym of London Interbank Offer Rate, refers to the interest rate that UK banks charge other financial institutions for, The Basel III accord is a set of financial reforms that was developed by the Basel Committee on Banking Supervision (BCBS), with the aim of strengthening, Risk management encompasses the identification, analysis, and response to risk factors that form part of the life of a business. •  Access to money markets and other sources of funding.

taken by the institution. Such credit unions are exposed to levels of risk sufficient to jeopardize their solvency.


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