c. myblog

December 12, 2018

Three Financial Tests Credit Unions Are Running Today

The following blog post was written by c. myers and originally published by CUES on December 3, 2018. One of the advantages of running thousands of what-ifs for hundreds of credit unions each year is that it provides a window into what is on the minds of credit union executives.  The what-if scenarios that are being requested […]

December 5, 2018

Is Your Strategic Plan Missing a Vital Piece?

A strategic plan is created to articulate a vision and unite an organization in realizing its exciting future.  Strategic plans are designed to better the business, so there is typically an underlying belief that the plan will result in financial viability, but while strategic plans commonly look 5 years into the future, 5-year financial plans […]

November 28, 2018

Deposit And Liquidity Concerns

We have been talking about expectations of deposit and liquidity pressures for the last several years. Now, for many places those concerns are becoming reality. Loan growth for the industry has averaged about 10.6% for the last 4 years, while deposit growth has averaged about 6.1% for the same time frame. At the end of […]

November 14, 2018

1 Quick Way to Link ALM and Marketing

It’s no secret that credit unions have tons of data that can be turned into actionable decision information. There are numerous options for financial institutions to take data, apply it to marketing efforts, and help enhance ALM results. Here is just 1: Focusing on the source of new members and the age of new members […]

November 7, 2018

Success Tomorrow Depends On Business Model Decisions Today – c. notes

The future will be a threat to some and an opportunity to others.  It is most likely to be an opportunity for those who embrace uncertainty and are forward-thinking and intentional about optimizing their business models before it is necessary.  Financial institutions will need to revisit their fundamental business model strategies to ensure they continue […]

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