To be considered “well-capitalised” by the regulators, Elevations Credit Union (ECU), a US financial products and services provider and winner of the 2014 Baldrige National Quality Award, needed to have a Net Worth Ratio (NWR)of over 7%. ECU targeted a range of 8% to 10% and achieved 9.05% in 2011, 9% in 2012, 9.1% in…

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15.3.1 Financial performance

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