c. myblog

May 30, 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 […]

May 3, 2018

Additional Considerations of A/LM Implications of Recent Tax Reform

In early February, the blog post, The A/LM Implications of Tax Reform, addressed some of the potential A/LM considerations of the recent Tax Cuts and Jobs Act.  The focus at that time was on the potential challenges and opportunities stemming from: Lower corporate tax rate Reduction in the mortgage interest cap Changes to individual tax rates […]

April 26, 2018

Is ARM Refinancing Set to Increase?

Last week we posted a blog on the evolving mortgage landscape, focusing on changing consumer behaviors and expectations.  This blog addresses a more specific aspect of mortgage lending, the likelihood that due to increases in mortgage rates, financial institutions will see an increase in existing adjustable rate mortgages (ARM) that refinance, as well as an […]

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