One of the systems used in analysis of financial institutions is CAMEL(CAMELS) which consider such factors as: Capital Adequacy, Asset Quality, Management, Earnings and Liquidity.

The following information may be necessary for CAMEL analysis:
- financial statements
- budgets and cash flow projections
- portfolio ageing schedules
- funding sources
- information about the board of directors
- operations and staffing
- macroeconomic information

CAPITAL ADEQUACY

- Dependency Ratio
Formula: Donations and grants/Total performing assets