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Loan and Mortgage Terms Glossary

CAMELS:

Capital, Assets, Management, Earnings, Liquidity, And Sensitivity To Risk. A rating system used by federal government examiners to evaluate the safety and soundness of a savings association or a bank. Camels is an acronym for the six elements that are evaluated: capital, assets, management, earnings, liquidity and sensitivity to risk. Each of these elements is rated on a scale of 1 to 5, and an overall camels rating is assigned to the institution following an examination. A rating of 1 indicates the best performance, with 5 being the worst. Ots began using the camels system for thrift institution examinations commenced after april 15, 1994. Previously, ots had used the macro rating system.


 
     
 
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