c. myblog

February 19, 2010

Observations On A Steep Yield Curve

The Treasury yield curve is rarely as steep as it is today.  The spread between the 3-month and 10-year has recently exceeded 350 basis points.  In more certain times, steep yield curves are beneficial to credit unions because the rates paid on non-maturity deposits are influenced by the short end of the curve and the […]

November 23, 2009

Lessons Learned: Are You Passing Up A Great Opportunity?

The frequency and magnitude of surprises in 2009 have created a unique learning opportunity that should not be passed up.  Too often, after navigating through a strategic challenge or opportunity, managements move on to the next issue without identifying the lessons learned from the most recent experiences.  This need not be a complex exercise.  In […]

November 5, 2009

Consumer Behavior And Non-Interest Income

Last week, we identified some of the many threats to earnings. With regard to non-interest income, potential changes in regulation were identified to be a major threat. Building on that, here we would like to suggest changes in consumer (i.e., member) behavior as an additional threat to non-interest income. In these trying times, consumer behavior […]

October 29, 2009

2010 Budgeting Process: Focusing On What You Control

There are only five levers that are pulled to arrive at an ROA, and every single one is under threat to some degree: Yield on assets is under attack from external forces as rates are at historic lows and loan demand is down. Cost of funds has been helped somewhat by low rates.  However, it […]

July 2, 2009

A Couple of Questions to Consider Concerning Implementation of the Corporate Stabilization Fund…

How will you factor in the potential assessments, if at all, when evaluating long-term financial performance given that the dates and sums of the assessments will be unknown until 90 days before they are due? Will you factor in the potential assessments when evaluating financial performance and making business decisions or will you view the […]

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