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.

The PCA Checkup gives your credit union:

• its net worth ratio using PCA definitions;
• its "complexity" status & calculates any applicable risk-based net worth requirement according to NCUA's proposal;
• its 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; and
• data on how changes in earnings rate affect net worth ratio over time.

The PCA Checkup costs only $40 for credit unions over 35 million in assets, $25 for credit unions under 35 million. It's available by writing Kurt Quickel at kquickel@cuna.com or calling him at (800) 356-9655, ext. 4399.