As the countdown to the October deadline for hitting key minimum financial ratios draws nearer, more spreadsheets are floating around the credit union industry and always there are the same questions: How many corporates will fold up shop before the deadline because they cannot hit the targets? Are the ratios in fact fair measures of corporate credit union performance? And, lastly, perhaps most worrisome is this question: Are the ratios compelling corporates to abandon much of the work good corporates once did?

Big questions all, and all questions that strike at the center of what the NCUA is doing in its attempt to better manage risk throughout the corporate credit union system. “The new standards will bring our regulation more in line with how banks are regulated,” said Jay Murray, CEO of Mid-Atlantic Corporate FCU.

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