c. myblog

September 5, 2018

Managing Operating Expenses When Your ROA is Under Pressure

Some credit unions are feeling margin pressure as deposit rates are starting to rise. Pressure from the evolving competitive landscape is an increasing challenge as well. The squeeze in margin is starting to hit earnings, and is impacting expectations for earnings as we look ahead to 2019 and beyond. So as we enter the fall, […]

August 29, 2018

New Entry in our Napkin Math Video Series

The latest entry in our Napkin Math video series demonstrates how to quickly calculate the Breakeven Point for Early Withdrawing Member CDs. 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 […]

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 […]

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