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Credit union executives have expressed a host of concerns about the NCUA’s risk-based capital rule proposed at the agency’s January board meeting.

Under the proposed rule, a credit union with more than $50 million in assets is rated adequately capitalized if it maintains a risk-based capital ratio between 8% and 10.49%, and a net worth ratio of 6% to 6.99%. A risk-based capital ratio above 10.49% and a net worth ratio above 7% would designate a credit union as well capitalized. A risk-based capital ratio under 8% and net-worth ratio between 4% and 5.99% is considered undercapitalized.

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