Many credit unions have been seeing their NEV ratios decline since the end of 2018, even without any meaningful balance sheet changes. Others have shortened their assets and are still seeing their +300 NEV volatility increase. So what could be causing this trend that seems contrary to what one would expect from their balance sheet […]
This latest entry in our Napkin Math video series demonstrates a quick way to calculate the relationship between operating expense growth and asset growth. 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 […]
This video demonstrates how you can analyze your profitability profile for different investments in a variety of rate environments. When you have 5 to 6 minutes, please watch the new video and let us know what you think. To view other videos, visit our videos page. *The rates used in the video are for example purposes. However, […]
This video demonstrates the impact of new business earnings in lower rate environments and how technology enables real-time decision information to help decision-makers optimize their business. When you have 5 to 6 minutes, please watch this new video and let us know what you think. To view other videos, visit our videos page.
While there is no guarantee market rates will head back down, there sure are a lot of signs pointing in that direction. It is not just the inverted Treasury yield curve getting all the attention either. The CME FedWatch Tool indicates a growing expectation the Fed Funds rate will decrease from its current target range […]