c. myblog

March 20, 2019

Benefits of Focusing on Data Integrity

We live in a data driven world, but the data is far more useful if it is accessible and reliable. Ask yourself – do you view the reliability and accessibility of your data as a competitive advantage or a frustrating drag?  Do you have multiple sources of information that sometimes show conflicting information, especially when […]

March 6, 2019

New and Emerging Strategic Questions Surrounding Indirect Lending

Higher auto rates, whispers of a potential recession, and rising prices of cars have made just a minor dent in recent credit union auto growth.  While auto loan growth has been trending down, many credit unions continue to experience double digit auto growth. While the resiliency of auto sales continues to be an opportunity for […]

February 20, 2019

Are Unprofitable Loans Creating a Liquidity Challenge?

Liquidity remains a relevant topic, and we have written several blogs recently dealing with this important issue:  Deposit and Liquidity Concerns and Is Your Certificate Promotion Doing What You Want?.  Some places are seeing liquidity tighten due to outflows in deposits, though for many credit unions liquidity pressures are being driven primarily by growth in loans.  […]

February 13, 2019

Napkin Math: How to Quickly Convert Basis Points to Dollars

The latest entry in our Napkin Math video series demonstrates how to quickly convert basis points to dollars.  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 you have 5 to […]

February 6, 2019

Transforming from Operational ALCO to Strategic ALCO – Let’s Get Started!

Being an Asset/Liability Committee (ALCO) member is one of the most exciting roles in the credit union.  If you have the urge to roll your eyes right now, read on.  Asset/liability management (A/LM) touches almost every area of the credit union and connecting all those dots is not only exciting, it can be hugely impactful. […]

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