c. myblog

November 8, 2012

Examiner FAQs

We frequently hear about examiner inquiries regarding non-maturity deposit assumptions in credit union A/LM models.  The question is usually along the lines of, “what are the non-maturity deposit assumptions used in the A/LM modeling and how were they determined?” Non-maturity deposit assumptions include pricing sensitivity and withdrawal sensitivity.  When it comes to pricing sensitivity the […]

November 1, 2012

Here Comes Bluebird—Walmart Ventures Further into Banking

Walmart has continued its mission to provide low-cost financial services by partnering with American Express to offer the Bluebird card. “It’s a checking and debit alternative to appeal to tens of millions of customers that just aren’t getting the value they’re expecting (from other banking methods),” Daniel Eckert, vice president of financial services for Walmart […]

October 25, 2012

Failing Fast Can Lead to Success

As margins shrink and competition increases, credit unions find themselves in a tougher environment than in years past.  New ideas may provide a path to improved profitability, but some credit unions shy away from the additional expense.  Launching new products, services, marketing campaigns, etc. can be expensive and time consuming.  Consider doing a small test […]

October 19, 2012

Interest Rate Risk Modeling—Do The Results Make Sense?

Many credit unions are increasing the number of “What-Ifs” they run. It is important that decision-makers do a gut check on the results being presented.  It is also important to understand that various modeling methodologies may need to be used to ensure appropriate evaluation of the decision. Take, for instance, a decision to expand auto lending […]

October 11, 2012

Why Do Members Value Your Credit Union?

This seems like a simple question with a simple answer.  Far from simple, we often find that when we ask this of credit unions, it leads to great strategic discussion about who the credit union is serving versus who the credit union wants to serve, as well as how. Value can generally be funneled into […]

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