c. myblog

July 27, 2012

Strategic Plans And Quantifying Risk

In the recently issued Interest Rate Risk Questionnaire, the NCUA devoted an entire section to evaluating if decision-making is informed by interest rate risk measurement systems.  The guidance specifically references interest rate risk “what-if” testing in conjunction with strategic plans and operational decisions—and that “what-if” analysis outcomes should be documented within the strategic plan to […]

July 19, 2012

Preparing For Strategic Planning

As you prepare for strategic planning with your credit union, consider carving out time to go through a structured strategic thinking process.  There are many scenarios to test drive.  Test driving helps you rehearse tomorrow today.  The objective of a structured strategic thinking process is to expand thinking and imagination – not necessarily to make […]

July 12, 2012

To Grow Or Not To Grow—What? Is The Question

For credit unions that are growing deposits faster than they are growing loans, the question often asked is “what do we do with the money?” Perhaps the question should be changed to “should we have the money in the first place?” While it may seem that no matter how low deposit rates are taken money […]

June 28, 2012

One Of Many Ways For Management To Add Value To The Strategic Planning Process

Front-line staff members are the first line of defense with an unsatisfied member, and are also the first line of offense with respect to communicating the credit union’s marketing messages. Routinely, credit unions identify themselves as “member-focused” or “service-oriented”—both of these identifiers lean very heavily on member experience, which is in turn influenced by the […]

June 21, 2012

Risks In A CMO Portfolio – How Government-Sponsored Refinancing Increases Extension Risk

On June 1st, the Federal Housing Finance Agency (FHFA) issued a press release noting that Home Affordable Refinance Program (HARP) refinances have nearly doubled to 180,000 from 93,000 when comparing 1st quarter 2012 to 4th quarter 2011. While this is good news for struggling and underwater borrowers that can take advantage of the program, this […]

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