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December 18, 2014

Software is Not the Answer (It’s Just a Piece of it)

When it comes to big software installations, it’s easy to lose sight of the real objective. It’s common for projects to be focused on implementing software when that’s not the real goal. These projects spring from business needs, such as reducing the time it takes to open accounts or process loans. While a piece of […]

December 12, 2014

Evaluating Derivatives—Part I: Earnings

While derivatives can be a good tool for mitigating interest rate risk, it is important for credit unions to understand the cost of the protection they are purchasing. This example uses an interest rate swap with the following terms to illustrate: 7-year term Notional amount: $100 million Credit union pays fixed rate of 2.00% Credit […]

December 4, 2014

Process Improvement: Did the New Process Become Second Nature?

Source: Google Many credit unions are focusing on process improvement to improve scalability, enhance member and staff experience and to control operating expenses. It can be invigorating for many people to shed practices that are non-value add. However, it can also be scary for some to change habits. A key success factor in the process […]

November 21, 2014

If Your Loans are Growing Faster…

If you are planning for your loans to grow faster than your deposits, helpful blogs to review include: Selling Investments for Liquidity Liquidity Risk: Loan-to-Share Ratios Are Moving Up Liquidity: Positioning Your Credit Union for Long-Term Solutions

November 13, 2014

Selling Investments for Liquidity

A few weeks ago, we discussed increasing loan-to-share ratios resulting from loan growth outpacing share growth.  The blog went on to discuss the potential liquidity pressures some could experience, today or in the future, if this trend continues. To keep the lending machine going, many decision-makers maintain that to fund future loan growth they will […]

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