November 7, 2009 SEARCH ABOUT CU360 Knowledge @ Wharton Credit Union Magazine [Log in]
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CU Snapshot

 2Q '09 1Q '09
# of CUs7,982 7,998
Members
(millions)		91.991.7
Total Assets
($ billions)		871.8867.4
Total Savings
($ billions)		741.8737.2
Net Cap.
/Assets		9.6%9.6%
Loans to Savings78.5%78.8%
Loan Delinq.1.60% 1.54%

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PCA Checkup

Is fast asset growth causing your net worth to decline? Is your credit union over-capitalized? Undercapitalized? CUNA's PCA Checkup helps you answer questions like these and helps guide strategic capital management decisions. PCA Checkup is the ideal planning tool and/or board education tool. Your PCA Checkup calculates your credit union's net worth ratio and uses a series of tables and graphs to summarize the interactions between earnings, asset growth and net worth over time. Your 15-page, full-color report contains calculations and forecasts specific to your credit union:

  • Net worth ratio using PCA definitions
  • "Complexity" status & calculates any applicable risk-based net worth requirement according to NCUA's proposal
  • PCA net worth category
  • Forecasts for potential changes in net worth ratio using five scenarios
  • Data on how changes in asset growth rates affect net worth ratio over time
  • Data on how changes in earnings rate affect net worth ratio over time
PCA Checkup
  • PCA Checkup
    The PCA Checkup is a customized report and is available by writing Paul Ledin at pledin@cuna.com or calling him at (800) 356-9655, ext. 4389.
  • View sample report