Mathematical and chemical equations must balance if they’re going to achieve their desired outcomes, and the same holds true for the NCUA’s revised risk-based capital rule, which seems designed to stabilize balance sheets at the expense of member benefits, according to Dennis Dollar, a principal partner with Dollar Associates LLC in Birmingham, Ala. and former NCUA chairman.

“The concept of risk-based capital is, within itself, solid regulatory thinking as lower-risk balance sheets should require less capital retention than higher-risk balance sheets, but the details are difficult to achieve with balance,” Dollar said. “The NCUA has definitely made improvements in each version of RBC, and they are obviously listening to their stakeholders as they should.”

Complete your profile to continue reading and get FREE access to, part of your ALM digital membership.

Your access to unlimited content isn’t changing.
Once you are an ALM digital member, you’ll receive:

  • Critical information including comprehensive product and service provider listings via the Marketplace Directory, CU Careers, resources from industry leaders, webcasts, and breaking news, analysis and more with our informative Newsletters.
  • Exclusive discounts on ALM and CU Times events.
  • Access to other award-winning ALM websites including and

Already have an account?


© 2023 ALM Global, LLC, All Rights Reserved. Request academic re-use from All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.


Credit Union Times

Join Credit Union Times

Don’t miss crucial strategic and tactical information necessary to run your institution and better serve your members. Join Credit Union Times now!

  • Free unlimited access to Credit Union Times' trusted and independent team of experts for extensive industry news, conference coverage, people features, statistical analysis, and regulation and technology updates.
  • Exclusive discounts on ALM and Credit Union Times events.
  • Access to other award-winning ALM websites including and

Already have an account? Sign In Now
Join Credit Union Times

Copyright © 2023 ALM Global, LLC. All Rights Reserved.