Schema & Semantic Layer

⬇ YAML ⬇ JSON

Regulatory Compliance Intelligence

regulatory-compliance v3.0

Monitor NCUA call report metrics, capital adequacy, CAMELS exam readiness, and automated compliance reporting

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Metric Definitions

12 metrics

net_worth_ratio

capital ↑ higher

Net worth as percentage of total assets - primary capital measure

Unit: percent · Format: {value:.2f}%

(net_worth / total_assets) * 100

Unitpercent

Directionhigher_is_better

Thresholds

crit low 6.0 warn low 7.0 target 10.0 stretch 12.0

risk_based_capital

capital ↑ higher

Capital ratio accounting for asset risk weights

Unit: percent · Format: {value:.2f}%

risk_based_capital_numerator / risk_weighted_assets * 100

Unitpercent

Directionhigher_is_better

Thresholds

crit low 8.0 warn low 10.0 target 12.0 stretch 14.0

tier1_leverage

capital ↑ higher

Tier 1 capital divided by average assets

Unit: percent · Format: {value:.2f}%

(tier1_capital / average_assets) * 100

Unitpercent

Directionhigher_is_better

Thresholds

crit low 5.0 warn low 7.0 target 9.0

delinquency_rate

asset_quality ↓ lower

Loans 60+ days past due as percentage of total loans

Unit: percent · Format: {value:.2f}%

(delinquent_loans / total_loans) * 100

Unitpercent

Directionlower_is_better

Thresholds

target 0.5 warn high 0.75 crit high 1.0 stretch 0.3

net_charge_off_rate

asset_quality ↓ lower

Net charge-offs as percentage of average loans

Unit: percent · Format: {value:.2f}%

(net_charge_offs / average_loans) * 100

Unitpercent

Directionlower_is_better

Thresholds

target 0.3 warn high 0.5 crit high 0.75 stretch 0.15

roa

earnings ↑ higher

Net income as percentage of average assets

Unit: percent · Format: {value:.2f}%

(net_income / average_assets) * 100

Unitpercent

Directionhigher_is_better

Thresholds

crit low 0.3 warn low 0.5 target 0.8 stretch 1.0

roe

earnings ↑ higher

Net income as percentage of average equity

Unit: percent · Format: {value:.2f}%

(net_income / average_equity) * 100

Unitpercent

Directionhigher_is_better

Thresholds

crit low 3.0 warn low 5.0 target 7.0 stretch 9.0

current_ratio

liquidity ↑ higher

Liquid assets as percentage of short-term liabilities

Unit: percent · Format: {value:.1f}%

(liquid_assets / short_term_liabilities) * 100

Unitpercent

Directionhigher_is_better

Thresholds

crit low 10.0 warn low 15.0 target 20.0

loan_to_share_ratio

liquidity ↓ lower

Total loans as percentage of total shares

Unit: percent · Format: {value:.1f}%

(total_loans / total_shares) * 100

Unitpercent

Directionlower_is_better

Thresholds

target 75.0 warn high 80.0 crit high 85.0 stretch 70.0

cash_to_assets

liquidity ↑ higher

Cash and equivalents as percentage of total assets

Unit: percent · Format: {value:.1f}%

(cash_equivalents / total_assets) * 100

Unitpercent

Directionhigher_is_better

Thresholds

crit low 5.0 warn low 10.0 target 12.0

overall_exam_score

exam_readiness ↑ higher

Weighted composite of CAMELS component scores

Unit: score · Format: {value:.0f}/100

weighted_average(camels_scores)

Unitscore

Directionhigher_is_better

Thresholds

crit low 60 warn low 70 target 85 stretch 95

call_report_accuracy

compliance ↑ higher

Data quality score for quarterly filings

Unit: percent · Format: {value:.1f}%

validated_fields / total_fields * 100

Unitpercent

Directionhigher_is_better

Thresholds

crit low 95.0 warn low 98.0 target 99.5

CAMELS Framework

6 components

NCUA examination framework components with weights and associated metrics.

Capital Adequacy

Capital ratios and regulatory thresholds

Weight: 20%

Metrics: net_worth_ratio, risk_based_capital, tier1_leverage

Asset Quality

Loan portfolio health and credit risk

Weight: 25%

Metrics: delinquency_rate, net_charge_off_rate, allowance_ratio

Management

Governance, policies, and internal controls

Weight: 20%

Metrics: policy_compliance, audit_findings, board_oversight

Earnings

Profitability and sustainability

Weight: 15%

Metrics: roa, roe, net_interest_margin

Liquidity

Funding and cash management

Weight: 10%

Metrics: current_ratio, loan_to_share_ratio, cash_to_assets

Sensitivity

Interest rate and market risk

Weight: 10%

Metrics: irr_exposure, nev_ratio, rate_shock_impact

Capital Classifications

NCUA regulatory capital adequacy classifications based on net worth and risk-based capital ratios.

Well Capitalized

NW ≥ 7.0%

RBC ≥ 10.0%

Adequately Capitalized

NW ≥ 6.0%

RBC ≥ 8.0%

Undercapitalized

NW ≥ 4.0%

RBC ≥ 6.0%

Significantly Undercapitalized

NW ≥ 2.0%

RBC ≥ 4.0%

Critically Undercapitalized

NW < 2.0%

Segment Definitions

Decision Type Definitions

5 types

capital_action

regulatory immediate

Decisions related to capital adequacy and regulatory thresholds

⚡ net_worth_ratio < 8.0 — Net worth ratio approaching regulatory minimum

⚡ risk_based_capital < 10.5 — RBC ratio approaching well-capitalized threshold

⚡ tier1_leverage < 7.5 — Tier 1 leverage ratio declining

Available Actions

Increase Earnings Retention board

Moderate Asset Growth executive

Develop Capital Restoration Plan board

Explore Secondary Capital board

Outcome Metrics

net_worth_ratio risk_based_capital

exam_preparation

compliance quarterly

Actions to prepare for NCUA examination

⚡ overall_exam_score < 85 — Exam readiness score below target

⚡ days_to_exam < 90 — Examination within 90 days

⚡ camels_liquidity < 80 — CAMELS component score needs attention

Available Actions

Policy & Document Review compliance_officer

Conduct Mock Examination internal_audit

Create Remediation Plan compliance_officer

Board Exam Briefing ceo

Outcome Metrics

overall_exam_score last_exam_rating

liquidity_management

operational monthly

Decisions to maintain adequate liquidity position

⚡ loan_to_share_ratio > 80 — Loan-to-share ratio exceeding threshold

⚡ current_ratio < 15 — Current ratio below recommended level

⚡ cash_to_assets < 10 — Cash position declining

Available Actions

Diversify Funding Sources cfo

Update Contingency Funding Plan alco

Sell Loan Participations clo

Launch Deposit Campaign marketing_manager

Outcome Metrics

loan_to_share_ratio current_ratio cash_to_assets

asset_quality_review

risk monthly

Actions to address credit quality concerns

⚡ delinquency_rate > 0.60 — Delinquency rate rising above target

⚡ net_charge_off_rate > 0.35 — Charge-off rate increasing

⚡ delinquency_rate > 0.75 — Loan concentration exceeding threshold

Available Actions

Tighten Underwriting Standards clo

Enhance Collections Process collections_manager

Conduct Portfolio Stress Test risk_manager

Review ALLL Adequacy cfo

Outcome Metrics

delinquency_rate net_charge_off_rate

call_report_filing

compliance quarterly

Decisions related to NCUA 5300 filing

⚡ days_to_filing_deadline < 14 — Call report deadline approaching

⚡ call_report_accuracy < 99.0 — Data quality issues identified

⚡ validation_errors > 0 — Validation errors require resolution

Available Actions

Data Reconciliation controller

Correct Validation Errors accounting_manager

Management Review & Sign-off cfo

Submit to NCUA cfo

Outcome Metrics

call_report_accuracy filing_timeliness

Authority Levels

Level	Role	Can Approve
1	Compliance Analyst	document_review
2	Accounting Manager	error_correctiondata_reconciliation
3	Compliance Officer	document_reviewremediation_planmock_exam
3	Controller	data_reconciliationmanagement_review
4	Chief Lending Officer	underwriting_reviewloan_participations
4	Chief Financial Officer	management_reviewsubmit_filingallowance_reviewfunding_diversification
4	Chief Risk Officer	portfolio_stress_test
5	Chief Executive Officer	growth_moderationboard_briefing
6	Board of Directors	capital_planearnings_retentionsecondary_capital

Decision States & Workflow

8 states

stateDiagram-v2


    [*] --> surfaced




    [*] --> acknowledged




    [*] --> investigating




    [*] --> action_planned




    [*] --> action_taken





    verified --> [*]




    deferred --> [*]




    dismissed --> [*]

Primary Workflow Path

Surfaced

→

Acknowledged

→

Investigating

→

Action Planned

→

Action Taken

→

Terminal States:

Verified (terminal)

Deferred (terminal) req. rationale

Dismissed (terminal) req. rationale

State Definitions

State	ID	Description	Terminal
Surfaced	surfaced	Compliance issue identified, awaiting review	No
Acknowledged	acknowledged	Responsible party has reviewed the finding	No
Investigating	investigating	Root cause analysis in progress	No
Action Planned	action_planned	Remediation plan defined	No
Action Taken	action_taken	Corrective action implemented	No
Verified	verified	Remediation verified by compliance/audit	Yes
Deferred	deferred	Postponed with documented rationale	Yes (requires rationale)
Dismissed	dismissed	Determined not actionable with rationale	Yes (requires rationale)

SLA Definitions

Decision Type	Response Window	Escalation Path
capital_action	24_hours	cfo (4_hours) → ceo (12_hours) → board_chair (24_hours)
exam_preparation	7_days	compliance_officer (2_days) → cro (5_days) → ceo (7_days)
liquidity_management	48_hours	treasurer (12_hours) → cfo (24_hours) → ceo (48_hours)
asset_quality_review	7_days	clo (2_days) → cro (5_days) → ceo (7_days)
call_report_filing	24_hours	controller (8_hours) → cfo (16_hours) → ceo (24_hours)