c. myblog

June 4, 2015

Project Management Tip #25: Beware the Yes Men

If you hear “yes” a good deal—beware! You might be surrounded by the notorious “yes men.” It is hard for some project managers to ask resources for help, and then when they do they are relieved to hear those resources say “yes” they can complete tasks for a project. The problem arises if these resources […]

May 28, 2015

Betas – An Unintended Consequence of Simplifying Pricing Assumptions

Non-maturity deposits (NMDs) and their treatment in A/LM modeling is often a hot-button topic with examiners and management teams.  While there are key risk characteristics of NMDs not addressed with many methodologies (see previous blog entries below), the topic of this blog concerns NMD pricing assumptions. Blog:  Isolating Interest Rate Risk with a Static Balance […]

May 21, 2015

Prepare for Your Upcoming Exam

A successful exam is often tied to the preparation done in advance. Simply having the most recent A/LM results ready, without understanding the overall risk profile and rationale for key assumptions, is not a recipe for success. One best practice in preparation for an upcoming exam is to anticipate some questions that could arise and […]

May 14, 2015

Could New Business Be Slipping Through Your Fingers?

Generating new loans involves reaching out and gathering loan applications, but could you also improve the number of funded loans within the applications you already receive? Consider the following example: Analyzing data and looking at it from different perspectives can often reveal new and actionable information. Of the many observations you may make, consider the […]

May 7, 2015

c. notes – Considering Derivatives?

Credit unions purchase derivatives for interest rate risk (IRR) protection. As we consider the value that can be obtained from derivatives, it also makes sense to ask how that protection may change over time and if there are circumstances that might make the protection not as beneficial. Many of our clients are using or considering […]

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