c. myblog

April 21, 2016

Of Bulls and Bears – Twisting the Yield Curve Is More Than Just a Stress Test

If you’re a financial institution, you need to understand how changes in market rates could affect your financial well-being. That’s what A/LM analysis is for. Traditional A/LM analysis has revolved around simple, instantaneous, and parallel shifts in rates. But in reality, rates have rarely shifted in parallel (not to mention instantaneously). As an example, using […]

April 14, 2016

Regulator Risk: NCUA Consolidation?

Recently the U.S. Government Accountability Office (GAO) submitted a recommendation to Congress for all depository institutions to be combined under one regulatory entity. Congress could consider consolidating the number of federal agencies involved in overseeing the safety and soundness of depository institutions…” —GAO, March 2016 We want your feedback! If federal agencies (including NCUA) were consolidated, […]

April 8, 2016

Testing a Negative Rate Scenario? Consider These Questions First

There has been a lot of buzz recently about the potential for negative interest rates to hit U.S. financial markets at some point.  Short-term rates have been negative in Europe since June 2014, and the Bank of Japan made the move in January of this year. Before you test this scenario from an asset/liability management perspective, […]

March 31, 2016

How Better Processes Can Help Solve Your Talent Crisis

As the nation’s unemployment rate continues its downward trend, many credit unions are celebrating higher loan demand and lower loan losses.  But as most employers know, low unemployment levels have a darker side. Great talent is precious and sometimes elusive.  To survive and thrive in the highly competitive and rapidly evolving financial services industry, high-quality […]

March 24, 2016

Grow or Die – A Strategic View of Growth

Grow or die. We hear this quite often. But what does it really mean? The game has changed. Credit unions are no longer just competing against other financial institutions. Non-traditional competitors are taking away non-interest income, especially sources such as interchange income. At the same time, non-traditional competitors, such as Lending Club and Sofi, are […]

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