c. myblog

July 28, 2011

Policy Limits And The Proposed Regulation For IRR

The following is an excerpt from our response to NCUA’s proposed regulation on IRR.  While the excerpt focuses on a potential issue with the proposed regulation, it also highlights a concern we have with the way certain policy limits are written that don’t look at the actual risk of an institution. Appropriate Policy Limits Another […]

July 20, 2011

Back In The Subprime Game

In a recent issue of the Wall Street Journal, Lewis Ranieri—once known as the father of mortgage finance—said it is time for nontraditional lenders to enter the market, bringing with them a return to subprime lending.  Ranieri said “the pendulum has swung too far in the other direction,” meaning that lending standards were once too […]

July 14, 2011

Do You Have A Clear Philosophy On Fees?

With fee income under fire, it is becoming more important than ever for credit union boards and managements to be able to articulate their philosophies on fees.  Simply saying, “We don’t like to fee our members” is not enough.  Most credit unions are already considering, if not implementing, new fees and fee increases—not because they […]

July 8, 2011

Recapitalize?

We are interested to find out what credit unions are planning to do in regards to recapitalizing their corporate credit union. Click here to take a 1-question survey and let us know!

June 24, 2011

The Rise In Checking Account Fees (Something To Consider)

Considering the rise in financial institutions charging fees for checking accounts in anticipation of interchange regulation, do you expect consumers to consolidate accounts?  How might that affect your credit union?

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