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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.”

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