According to new NCUA rules, before 2019, many credit unions will need to significantly increase their capital to adequate levels.

Capital represents the difference in value between a credit union’s assets (loans and fixed assets) and its liabilities (member deposits and debt owed). Capital fills this gap, providing a buffer against losses and allowing room for growth.

Credit unions that are adequately capitalized are able to withstand economic downturns, unfavorable yield curves and higher loan costs. Adequate capital can also provide a competitive advantage, and capitalized credit unions are better positioned to offer competitive rates and superior dividends, and are able to introduce valuable services driving growth and member satisfaction.

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