c. myblog

June 13, 2018

Are Net Interest Income (NII) Simulation Pricing Assumptions Producing Optimistic Results?

We perform many model validations each year.  In most income simulations, it is assumed that all new volume loan rates will move at 100% of the change in market rates.  However, recent trends show that the “typical” new volume assumptions used by many credit unions are not representative of what is happening.  This can cause […]

June 5, 2018

C. Notes – Key Competencies of Strategic C-Suite Teams

To be successful amid the rapid adoption of today’s technology advancements and the accompanying complexities, organizations need C-Suite teams that have mastered strategic thought and action.  Cultivating teams with the abilities and time to think and act strategically needs to be a top priority for organizations, so they can evolve and thrive in a world […]

May 22, 2018

What Should We Do About Interest Rate Risk? First, Don’t Panic.

The following blog post was written by c. myers and originally published by CUES on May 17, 2018. For the last 10 years, credit unions have dutifully modeled, monitored, and made decisions to keep interest rate risk under control. And interest rates didn’t move. Looking back as far as the early 1970s, rates have never […]

May 16, 2018

This is One Metric You Should Know

How many times per month do your members use mobile banking? Did you know that, when it comes to mobile app usage, banking apps are in the top 3? Only social media and weather apps are used more. Last month, Citi released the results of its 2018 Mobile Banking Study, which also revealed that 46 […]

May 9, 2018

Are Investments Now Yielding More Than Indirect Autos?

For many credit unions, taking a serious look at indirect auto profitability is long overdue.  Two years ago it was easier to make the argument that indirect autos were a better financial alternative than a like-term investment.  Now, the issue is more complicated as investment yields have increased far more than auto yields in the […]

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