CAMEL Rating System - Rating 1

Rating 1

Indicates strong performance and risk management practices that consistently provide for safe and sound operations. Management clearly identifies all risks and employs compensating factors mitigating concerns. The historical trend and projections for key performance measures are consistently positive. Credit unions in this group resist external economic and financial disturbances and withstand the unexpected actions of business conditions more ably than credit unions with a lower composite rating. Any weaknesses are minor and can be handled in a routine manner by the board of directors and management. These credit unions are in substantial compliance with laws and regulations. Such institutions give no cause for supervisory concern.