c. myblog

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 […]

August 10, 2018

C. Notes – Lending Business Intelligence: Why It Is Your Early Warning System

Data analytics is transforming nearly every industry with the wealth of insights it can bring.  While credit unions have vast stores of raw data, turning it into business intelligence can be a challenge.  Our article examines actual examples of turning data into lending business intelligence and the impact on credit unions. Learn how our lending […]

August 8, 2018

Don’t Forget to Look Down

For a very long time, asset/liability management (A/LM) and managing interest rate risk (IRR) were almost exclusively about what would happen if market rates rose.  When rates were near zero, risk limits that looked down to negative rate environments did not receive much consideration.  But that’s not the case anymore.  The industry needs to dust […]

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