c. myblog

April 19, 2017

HELOC Considerations in a Rising Rate Environment

With the recent increase in short-term interest rates, specifically Prime rate, many credit unions are taking a closer look at the impact of higher rates on their HELOC portfolios. Anything is possible when it comes to future market interest rates but a continued increase in Prime means members will have higher interest rates and higher […]

April 12, 2017

c. notes – How A High-Performing Credit Union Upped Their Game

REDWOOD CREDIT UNION: A PROJECT MANAGEMENT CASE STUDY This is the story of a highly successful organization that wanted to up their game. After taking a look in the mirror, they decided to change their approach to project management. Headquartered in the lovely town of Santa Rosa in Northern California, $3 billion plus Redwood Credit […]

April 5, 2017

Project Management: 180,000 Definitions of On Track

Have you ever noticed how projects start out so well with everything on track until suddenly, out of the clear blue sky, there’s a giant problem? The project is unexpectedly off track and you’re scrambling to slow the resulting domino effect. What happened? It’s likely that things weren’t nearly as on track as you were […]

March 30, 2017

Borrowing Trends are Changing…

Would you be surprised by who is actually borrowing from your credit union, or applying for loans?  A recent article in the Wall Street Journal (WSJ) noted the growing trend of baby boomers moving into their retirement years completely unprepared from a financial perspective. The article states that “people in the U.S. ages 65 to […]

March 23, 2017

Interest Rates Have Risen – Now What?

The 3-month Treasury rate has moved more in the last 8 months than it has in the preceding 8 years.  For many who think of A/LM in a time of rising rates, it can be time to calibrate pricing strategies, non-maturity deposit withdrawal assumptions, or loan prepayment speed assumptions.  Others may begin to consider strategic […]

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