c. myblog

December 20, 2012

Happy Holidays

2012 was a fascinating year for the credit union industry. We saw new challenges—and new breakthroughs. We are eager to see what 2013 has in store for us, but for the next two weeks we hope your time is spent with family and friends celebrating a happy holiday season. We wish to thank our readers […]

December 13, 2012

What If The Fed Rate Projection Is Right?

This is a question credit unions should try to answer as part of their ongoing long-term forecasting process.  The FOMC reaffirmed on Wednesday (December 12) that they do not anticipate raising rates until 2015. Source:  Federal Reserve So what happens to earnings and net worth if rates stay at historic lows for two more years, […]

December 6, 2012

Technology: How Much Is Right For Your Credit Union?

More and more, credit union management teams are bombarded with industry periodicals, board member requests and requests from certain segments of the membership for “more technology.” However, in order to provide the most value to the overall membership, what type of technology would satisfy “more technology”?  More specifically, what is the right level of investment […]

November 29, 2012

Yield on Assets—How Low Can it Go?

How does net income look for 2013?  Even if your budget is showing satisfactory earnings you might not be out of the woods yet. Earnings could be temporarily propped up by higher yielding loans and investments put on the books in years past.  Unsustainably low provision for loan losses could also be skewing the picture. […]

November 15, 2012

Test Your Budget As Part Of Your A/LM Process

Wouldn’t it be nice to know if that “light at the end of the tunnel” is actually a fully loaded freight train coming straight at you?  Back in August, we wrote a blog with some tips on budgeting heading into 2013:  Budgeting Tips For 2013.  One of the points suggested evaluating the budget from an […]

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