c. myblog

July 29, 2010

When Stress Tests Aren’t Stressful

The recent news about the European bank stress tests has us thinking about when a stress test isn’t a stress test.  By now, you may have heard that out of the banks tested, 7 out of 91 failed the “stress tests”.¹  That is a 92% pass rate, and should earn the European banking system an […]

July 21, 2010

Loan Concentration Risk Survey

In our continued efforts to help the credit union industry, we are currently gathering information on how credit union executives view loan concentration limits in light of NCUA Letter to Credit Unions 10-CU-03 on Concentration Risk. We encourage executives to complete the following short, two-question survey: c. myers loan concentration risk survey Please note that […]

July 15, 2010

Weighing Credit Union Investment Strategies

Given the flight to safety combined with sustained low loan demand, threats to non-interest income and NCUSIF assessments, many credit unions are reevaluating their investment strategy. The problem is not enough credit unions are evaluating their investment strategy in light of their entire financial structure and strategic objectives.  They are evaluating one investment at a […]

July 2, 2010

Establishing Concentration Limits

Establishing concentration limits that enable you to make sustainable, sound business decisions while trying to satisfy new regulatory pressure is very tricky. The supervisory letter on concentration risk states that examples of concentrations within an asset class include… “Residential Real Estate Loans—collateral type, lien position, geographic area, non-traditional terms (such as interest-only, payment option, or […]

June 24, 2010

When Will This Be Over?

It’s natural to wonder when things will get back to “normal.”  But week after week, the only thing consistent in the economic indicators is that they are not consistent.  So how do we plan for the future? Most credit unions are designed to thrive in a different type of economic environment─one we may not see […]

Start typing and press Enter to search