CAMELS is a rating system used by federal government examiners to evaluate the safety and soundness of a savings association or a bank. CAMELS is an acronym for the six elements that are evaluated: Capital, Assets, Management, Earnings, Liquidity and Sensitivity to risk. Each of these elements is rated on a scale of 1 to 5, and an overall CAMELS rating is assigned to the institution following an examination. A rating of 1 indicates the best performance, with 5 being the worst. OTS began using the CAMELS system for thrift institution examinations commenced after April 15, 1994. Previously, OTS had used the MACRO rating system. See: MACRO.
Barry Goldsmith
| APA | Barry Goldsmith. (2010). CAMELS. Retrieved September 20, 2026, from http://smartdefine.org/camels/definitions/1149311 |
| Chicago | Barry Goldsmith. 2010. "CAMELS" http://smartdefine.org/camels/definitions/1149311 (accessed September 20, 2026). |
| Harvard | Barry Goldsmith 2010, CAMELS, Smart Define, viewed 20 September, 2026, <http://smartdefine.org/camels/definitions/1149311>. |
| MLA | Barry Goldsmith. "CAMELS" 21 October 2010. Web. 20 September 2026. <http://smartdefine.org/camels/definitions/1149311> |