c. myblog

October 23, 2018

Quickly Calculate Marginal Cost Of Funds

The latest addition to our Napkin Math Video series demonstrates how to quickly calculate the Marginal Cost of Funds for CD Promotions. 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. To […]

October 10, 2018

Money Markets are Walking Out the Door

Many credit unions are telling us that money markets are walking out the door. How concerned are you about this trend over the next 2 years? Let us know by taking our poll.

October 3, 2018

Does Analyzing Business Decisions Through Volatility Make Sense?

A strong indicator of expected trends and opportunities credit unions are exploring is often found in the type of what-ifs requested from our clients. One of the many what-if requests we are getting is addressing deposits leaving, especially high-balance money markets. This pressure on liquidity, combined with other changes in the environment, is resulting in […]

September 19, 2018

Is Your Certificate Promotion Doing What You Want?

As liquidity and cost of funds pressures continue to be a focus, credit unions are exploring possible funding options within the liquidity toolbox. Among them, certificate promotions which, in this rate environment, are becoming a more frequently used tool. On the surface, attracting liquidity through certificates seems straightforward. Offer a competitive rate, promote it, and […]

September 12, 2018

Rewards in Risk/Reward Trade-offs

Since market rates have been increasing, more focus is being put on balance sheet optimization. It’s important to remember that many types of analyses, such as NEV and NII volatility, focus on the risks when viewed in a rising rate environment. It’s important to understand the risks, but not in a vacuum. Remember to view […]

Start typing and press Enter to search