c. myblog

August 25, 2016

What-Ifs Help the Budget Process

Testing ideas and running what-ifs is a powerful way for decision-makers to understand the impact of decisions under consideration in real-time (for more on this, please refer to our blog, Has your ALM technology Emerged from the Dark Ages?).  The power of what-ifs can also be applied to the budgeting process, and help link decisions […]

August 18, 2016

Long-Term CDs – Questionable Cost of Funds Protection

The 10-year Treasury closed below 1.40% 3 days in July! The flattening of the yield curve has many folks worried about further pressure on net interest margins. Some, though, are hoping to extract a benefit by locking in long-term funding at historically low interest rates. As an Asset/Liability Management (A/LM) strategy, this approach employs the […]

August 11, 2016

Has Your ALM Technology Emerged From the Dark Ages?

In this wonderful world of amazing technological advances, member-facing technology provides convenience and ease of access that was unimaginable in the past.  Huge strides have also been made in supporting technologies, such as putting relevant data at employees’ fingertips for cross-selling, automated loan decisioning, and mining member data for marketing opportunities.  The same can be […]

July 6, 2016

NCUA – Rethinking NEV

It’s no secret that the NCUA is planning to implement new guidance for net economic value (NEV) testing this year. From NCUA’s recent open meeting, some key elements of the new guidance include: Non-maturity deposit (NMD) values will be capped at a premium, not to exceed 1% in the current rate environment. NMD benefit will […]

May 19, 2016

CECL’s Threats To Your Business Model: Six Questions To Consider

CECL is a new set of rules that every credit union eventually will have to play by. While it may not be in effect until 2021, many credit unions could find that they need all that time to reposition their business models to prepare for its impact. Keep in mind that the impact being discussed […]

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