c. myblog

January 24, 2013

PLL and Managing Expectations

The most recent 2012 NCUA data shows that year-to-date, about 29% of all credit unions have run either a zero or negative provision for loan loss, due primarily to overfunding of the allowance.  The bulk of these credit unions were smaller in terms of asset size. Filtering to credit unions with assets over $500M, the […]

January 17, 2013

Preventing Misleading Aggregation Results

While assumptions such as prepayment speeds, deposit pricing and withdrawal speeds get much examiner attention, an equally important modeling issue is the aggregation of account data. The NCUA’s Interest Rate Risk Questionnaire defines data aggregation as the act of combining general ledger accounts when inputting data into the model. Basically, it involves grouping “like” products. […]

January 10, 2013

Data Mining Could Lead To Revenue Streams

Marketing isn’t what it used to be.  As with most disciplines, marketing has evolved rapidly in this technological age.  Credit union marketing strategies need to evolve, too.  It has been reported that Amazon’s conversion to sales from recommendation could be as high as 60%. Why?  Because they understand how to mine their customer data and […]

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