Capital adequacy and capital regulation of Us credit unions

John Goddard, Donald McKillop and John Wilson
Additional contact information
Donald McKillop: Queen’s University Belfast

BANCARIA, 2009, vol. 7, 43-55

Abstract: The article examines the determinants of capital-assets ratios for credit unions in the United States, before and after the implementation of current framework for capital adequacy regulation in the year 2000. Credit unions appear to hold capital in excess of what is required by current capital regulation. The fact that credit unions take longer than banks to accumulate net worth might have encouraged a more prudent, pro-cyclical approach to capital provisioning. In general they entered the crisis in a stronger position to absorb unforeseen losses than many banks.

Keywords: capital adequacy; credit unions; capital regulation (search for similar items in EconPapers)
JEL-codes: G21 G28 G32 (search for similar items in EconPapers)
Date: 2009
References: Add references at CitEc
Citations:

Downloads: (external link)
http://www.bancariaeditrice.it/prodotti/vedi/prodo ... /bancaria-n-7-8-2009 (text/html)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:ban:bancar:v:7:y:2009:m:july:p:43-55

Access Statistics for this article

BANCARIA is currently edited by Bancaria Editrice - the publisher of the Italian Banking Association

More articles in BANCARIA from Bancaria Editrice
Bibliographic data for series maintained by Francesco Emiliano Tani ().