c. myblog

August 11, 2016

Has Your ALM Technology Emerged From the Dark Ages?

In this wonderful world of amazing technological advances, member-facing technology provides convenience and ease of access that was unimaginable in the past.  Huge strides have also been made in supporting technologies, such as putting relevant data at employees’ fingertips for cross-selling, automated loan decisioning, and mining member data for marketing opportunities.  The same can be […]

August 5, 2016

Interest Rate Risk in an Auto Loan – Really?

The competitive landscape for auto loans has fundamentally changed over the last 15 years.  There are more non-traditional lenders vying for autos and non-credit union lenders have been saturating the indirect lending market. These trends put pressure on pricing and take a bite out of the auto lending pie.  As a result, financial institutions are […]

July 22, 2016

Be Clear on Your Objective of Doing a Core Deposit Study

Earlier this week we presented at a virtual roundtable with 100+ CFOs, and one of the most common questions centered around the benefits, or lack thereof, of doing core deposit studies for use in net economic value (NEV). It is important to study member behavior with respect to deposits, including migration, pricing strategy, and competitive […]

July 12, 2016

Raging Payment Battle Requires Purposeful Strategic Thinking

Today, July 12, is Amazon’s Prime Day.  As part of the event, they are encouraging their members to apply for their Amazon Prime Store Card, which, among other features, offers 5% back on eligible Amazon purchases. The raging battle for payments continues to escalate.  Amazon is just one more threat to interchange income.  If you […]

July 6, 2016

NCUA – Rethinking NEV

It’s no secret that the NCUA is planning to implement new guidance for net economic value (NEV) testing this year. From NCUA’s recent open meeting, some key elements of the new guidance include: Non-maturity deposit (NMD) values will be capped at a premium, not to exceed 1% in the current rate environment. NMD benefit will […]

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