The CAMEL rating system is a method of evaluating the health of credit unions by the National Credit Union Administration. The rating is based upon five critical elements of a credit union's operations: capital adequacy, asset quality, management, earnings and asset/liability management. This rating system is designed to take into account and reflect all significant financial and operational factors examiners assess in their evaluation of a credit union's performance. Credit unions are rated using a combination of financial ratios and examiner judgment.
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