c. myblog

July 18, 2018

Strategic People Planning

The following blog post was written by c. myers and originally published by CUES on July 9, 2018. It is common for businesses to have strategic planning sessions at least annually.  What is not common, yet necessary, is to purposefully and strategically plan talent requirements for the intermediate and longer term. The world continues to […]

July 11, 2018

Policy Risk Limits are Often a Moving Target

With market interest rates on the rise for the first time in nearly 15 years, comes a host of new considerations for the credit union industry. Among them is an understanding that many Interest Rate Risk (IRR) policy limits are in fact a moving target. Whether rates stay put, continue to increase, or possibly head […]

June 26, 2018

Putting Member Rate Advantages Into Perspective

The environment is quickly changing and so are members’ savings alternatives. Technology has made it such that competition is no longer limited to the institution down the street. A simple online search reveals there are financial institutions all over the country with money market rates close to 2.00%: Source: Savings Accounts & Rates. Retrieved from […]

June 20, 2018

Latest Entry in Our Napkin Math Video Series

The latest entry in our Napkin Math Video Series demonstrates how to calculate the risk for return of different types of assets.  Like the other videos in this series, this video shows simple math that people can do on a napkin to understand ballpark financial performance. When you have a few minutes, please watch the […]

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 […]

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