Camel rating scanning of urban co-operatives credit societies: A case study of Goa

This paper entitled “Camel Rating Scanning of Urban Co-Operatives Credit Societies: A Case Study of Goa” endeavors to measure the performance of urban co-operatives credit societies in the state of Goa with Camel Rating approach. An attempt is also made to rank the urban credit societies with ‘Z’ scores for each ratio variables by using the concept of Standard Normal Cumulative Distribution. The analysis concludes that no credit society under study is rated excellent. While the performance of the Suvarnlaxmi Urban co-operative credit society is rated very good according to the ‘Z’ value grading, the performance of all other societies’ in terms of CAMEL ratings is found to be average.