c. myblog

November 3, 2016

6 Dos and Don’ts of the NCUA’s NEV Supervisory Test

Consider the following as you implement the NCUA’s NEV Supervisory Test: DO make sure to understand your answers by running NEV with the non-maturity deposit caps the test uses (currently 1% and 4%) before NCUA comes into your credit union. DON’T forget why NCUA decided to standardize. One of many reasons is that there is […]

October 27, 2016

AICPA: Buzz About CECL

We had the benefit of speaking at the AICPA conference on one of our favorite topics, how to use ALM for actionable business intelligence. In this case, the focus was on how a credit union can support changes to remain relevant. Another topic that also had a lot of buzz at the conference was CECL, […]

October 20, 2016

c. notes – Evaluating Risk/Return Trade-offs When Margins Are Razor Thin

It is no secret that decisions today are more complex and far-reaching than ever before, and margins are razor thin. Traditional and non-traditional competitors on the battlefield keep multiplying and plotting to get more of consumers’ business, all while credit unions have to throw resources toward protecting their flank from attacks such as the CFPB, […]

October 14, 2016

The Importance of Isolating Variables within Stress Tests

Stress testing is an important function of long-term interest rate risk modeling and risk management processes. As with any long-term interest rate modeling, stress testing requires both skill as well as an ability to fully understand and determine which assumptions influence the outputs and which assumptions are driving the results of the stress test. During […]

September 29, 2016

Get Them While They Are Young

So often, credit unions focus on attracting younger members in their 20s.  The intent is to make them lifelong members so the credit union can benefit when those members are older and ready to borrow.  This idea makes sense when considering how consumers’ income and expenditures increase as they age, particularly in what is considered […]

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