Will the NCUA perform a Concentration of Facilities Ratio (or Depository Institution test) for state chartered credit unions?

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Yes. NCUA will perform a Concentration of Facilities Ratio (or Depository Institution Test), if requested by the state supervisory authority. As some state laws for field of membership have parity with NCUA’s field of membership rules, a state-chartered credit unions may also need a Concentration of Facilities Ratio analysis completed (or Depository Institution test). Underserved, multiple common bond, depository institution test, concentration of facility ratio, state chartered credit union