c. myblog

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 […]

July 25, 2018

HELOCS May Be Set To Take OFF – Is Your Credit Union Ready?

For the last 10 years it seems like the home equity line of credit (HELOC) has been a forgotten product for many credit unions and their members. As rates on fixed mortgages hovered at record low levels, and with home equity under pressure, the demand for variable rate HELOCs decreased for many institutions. However, that […]

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 […]

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