Maintaining well-capitalized status became more difficult Jan. 23 when the NCUA Board proposed a new risk-based capital rule. The proposal would require federally insured credit unions with more than $50 million in assets – some 2,237 institutions – to risk-weight additional assets, including real estate loans, member business loans and delinquent consumer and real estate loans. Read the stories linked below to learn more about the proposed rule and other topics from the January monthly NCUA Board meeting.

Risk-Based Rule Would Raise Well-Capitalized Standard to 10.5%: In addition to the proposed risk-based capital requirement, credit unions would also be required to maintain net worth ratios.

Proposed Capital Rule Details Asset Risk-Weights: Investments in CUSOs and mortgage servicing assets would be assigned a 250% risk-weight under the rule. 

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