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Capital adequacy and capital regulation of Us credit unions

Author

Listed:
  • John Goddard

    (Bangor University)

  • Donald McKillop

    (Queen’s University Belfast)

  • John O.S. Wilson

    (University of St Andrews)

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.

Suggested Citation

  • John Goddard & Donald McKillop & John O.S. Wilson, 2009. "Capital adequacy and capital regulation of Us credit unions," BANCARIA, Bancaria Editrice, vol. 7, pages 43-55, July.
    • Handle: RePEc:ban:bancar:v:7:y:2009:m:july:p:43-55
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    File URL: http://www.bancariaeditrice.it/prodotti/vedi/prodotto/id/1974/bancaria-n-7-8-2009
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    More about this item

    Keywords

    capital adequacy; credit unions; capital regulation;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill

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