Alphabet Soup of Acronyms

AACUC African American Credit Union Coalition
AACUL American Association of Credit Union Leagues
ACH Automated Clearing House
AFC Average Funds Cost
AFS Available for Sale
AIRES Automated Integrated Regulatory Examination Software
ALCO Asset/Liability Management Committee
ALLL Allowance for Loan Loss
ALM Asset/Liability Management
ANPR Advanced Notice of Proposed Rulemaking
APR Annual Percentage Rate
APY Annual Percentage Yield
APYE Annual Percentage Yield Earned
ARCUPAC Arkansas Credit Union Political Action Committee
ARM Adjustable Rate Mortgage
ATA Average Total Assets
BEY Bond Equivalent Yield
BSA Bank Secrecy Act
CAMEL Capital, Asset Quality, Management, Earnings and ALM
CCU Corporate Credit Union
CCUE Certified Credit Union Executive
CD Certificate of Deposit
CDCU Community Development Credit Union
CFPB Consumer Financial Protection Bureau
CIF Community Reinvestment Fund
CIP Customer Identification Program
CLF Central Liquidity Facility
CMG CUNA Mutual Group
CMO Collateralized Mortgage Obligation
COS Cost of Funds
CPA Certified Public Accountant
CPI Collateral Protection Insurance, Consumer Price Index
CRA Community Reinvestment Act
CRD Central Registration Depository
CSCUF Cornerstone Credit Union Foundation
CSSI CUNA Strategic Services, Inc.
CTR Currency Transaction Report
CUBS Credit Union Bank Shares, Inc. – owner of Town North Bank
CUD Credit Union Department (for the state of Texas)
CUES Credit Union Executives Society
CULAC Credit Union Legislative Action Committee
CUMIS Credit Union Mutual Insurance Society
CUNA Credit Union National Association
CUPAC Credit Union Political Action Committee
CUSO Credit Union Service Organization
DOR Document of Resolution
EIN Employer Identification Number
EFT Electronic Funds Transfer
EVE Economic Value of Equity
FASB Financial Accounting Standards Board
FCU Federal Credit Union
FCRA Fair Credit Reporting Act
FDIC Federal Deposit Insurance Corporation
FFIEC Federal Financial Institutions Examinations Councils
FHA Federal Housing Administration
FHLMC Federal Home Loan Mortgage Corporation (Freddie Mac)
FHLB Federal Home Loan Bank
FICU Federally Insured Credit Union
FinCen Department of Treasury – Financial Crimes Enforcement Network
FNMA Federal National Mortgage Association (Fannie Mae)
FPR Financial Performance Report
FRB Federal Reserve Bank
FTC Federal Trade Commission
FV Future Value
GAP Guaranteed Asset Protection
GAAP Generally Accepted Accounting Principles
HCCUA Health Care Credit Union Association
HELOC Home Equity Line Of Credit
HMDA Home Mortgage Disclosure Act
HTM Hold To Maturity or Held To Maturity
IRA Individual Retirement Account
IRR Interest Rate Risk
LAC Legislative Action Committee
LAN Local Area Network
LIBOR London Inter Bank Offer Rate
LLC Limited Liability Company
LLP Limited Liability Partnership
LOC Line Of Credit
LTV Loan to Value
LUA Letter of Understanding and Agreement
MICR Magnetic Ink Character Recognition
MMDA Money Market Deposit Account
MSRP Manufacturer's Suggested Retail Price
MVPE Market Value Portfolio Equity
NAFCU National Association of Federal Credit Unions
NCBA National Cooperative Business Association
NCO Net Charge Offs
NCUA National Credit Union Administration
NCUF National Credit Union Foundation
NCUSIF National Credit Union Share Insurance Fund
NEFE National Endowment Financial Education
NEV Net Economic Value
NOER Net Operating Expense Ratio
NPV Net Par Value
NPV Net Portfolio Value
NTA Non-Term Accounts
NW Net Worth
OAS Option-Adjusted Spread
OCC Office of the Controller of Currency
OCUPAC Oklahoma Credit Union Political Action Committee
OFAC Office of Foreign Assets Control
OIS Office of Investment Services – NCUA
OREO Other Real Estate Owned
OTS Office of Thrift Supervision
OTTI Other-Than-Temporary-Impairement
PAC Political Action Committee
PCA Prompt Corrective Action
PIC Paid-In-Capital as it relates to corporate credit unions
POS Point Of Sale
PV Present Value
REL Real Estate Loan
REVRL Real Estate Variable Rate Loan
ROA Return On Assets
RSF Rate Sensitivity Report
SAR Suspicious Activity Report
SBA Small Business Administration
SCMS Southwest CUNA Management School
SCRA Servicemembers' Civil Relief Act
SCU State Credit Union
SEC Securities and Exchange Commission
SEG Select Employee Group
SIP System Investment Program
SIRRT Supervisory Interest Rate Risk Threshold
SWACHA Southwest Automated Clearing House Association
TA Total Assets
TARP Troubled Asset Relief Program
TCCUL PAC Texas Cornerstone Credit Union League Political Action Committee
TCUD Texas Credit Union Department
TNB Town North Bank
TREL Total Real Estate Loans
VRL Variable Rate Loan
WAC Weighted Average Coupon
WAL Weighted Average Life
WARM Weighted Average Remaining Maturity
WOCCU World Council of Credit Unions
YTD Year To Date
YTM Yield to Maturity