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Credit union executives told Credit Union Times the levels of capital proposed by the NCUA in its risk-based capital rule are manageable, but the rule could use a little fine tuning.

“While Wescom’s capital rating would decline from ‘well capitalized’ to ‘adequately capitalized’ under the proposal, it would not be difficult for us to make some minor shifts in our balance sheet to attain the 10.5% risk-based equity ratio necessary to be considered ‘well capitalized,’” said Darren Williams, CEO of the $2.5 billion Wescom Credit Union in Pasadena, Calif.

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