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Has your credit union consistently received a CAMEL 1 or 2 rating from your regulator? Do you manage the credit union to that rating, and does your board judge your performance in large part based on the CAMEL rating? Congratulations on making the regulators happy, but managing the credit union to a CAMEL ratio does not necessarily mean you are satisfying the boss that matters most: the member owners.

Peter Westerman

Credit Union Times

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