c. myblog

September 19, 2018

Is Your Certificate Promotion Doing What You Want?

As liquidity and cost of funds pressures continue to be a focus, credit unions are exploring possible funding options within the liquidity toolbox. Among them, certificate promotions which, in this rate environment, are becoming a more frequently used tool. On the surface, attracting liquidity through certificates seems straightforward. Offer a competitive rate, promote it, and […]

September 12, 2018

Rewards in Risk/Reward Trade-offs

Since market rates have been increasing, more focus is being put on balance sheet optimization. It’s important to remember that many types of analyses, such as NEV and NII volatility, focus on the risks when viewed in a rising rate environment. It’s important to understand the risks, but not in a vacuum. Remember to view […]

September 5, 2018

Managing Operating Expenses When Your ROA is Under Pressure

Some credit unions are feeling margin pressure as deposit rates are starting to rise. Pressure from the evolving competitive landscape is an increasing challenge as well. The squeeze in margin is starting to hit earnings, and is impacting expectations for earnings as we look ahead to 2019 and beyond. So as we enter the fall, […]

August 29, 2018

New Entry in our Napkin Math Video Series

The latest entry in our Napkin Math video series demonstrates how to quickly calculate the Breakeven Point for Early Withdrawing Member CDs. Like the previous videos in this series, this short video shows the simple math that credit union leaders can literally do on the back of a napkin to understand ballpark financial performance. When […]

August 22, 2018

Planning for the Unexpected?

Although the economy is humming along nicely right now, a survey of U.S. economists conducted by the National Association of Business Economics in May of 2018 suggested things could be changing. The results revealed that a full two-thirds of those surveyed believe the U.S. will experience a recession by the end of 2020. Numerous potential […]

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