c. myblog

March 14, 2018

New Napkin Math Video Series

Imagine brainstorming various ideas with your team.  You want to see the financial impact fast!  We created our Napkin Math Video Series to help keep the conversation moving.  The primary purpose of the videos is to show simple math that people can do on a napkin to understand ballpark financial performance. There are five videos […]

March 7, 2018

c. notes – Liquidity: Shifting Gears

Liquidity as an industry issue took a long hiatus.  Now that it’s back, it is clear that the situation and methods to manage it will be different than they were in the mid-2000s.  Liquidity that used to act like a faucet you could turn on and off with rates may not work that way this […]

February 15, 2018

Opportunities within the Treasury Yield Curve

Much has been written about the U.S. Treasury yield curve recently – it’s narrowing, it’s widening.  It’s nearly impossible to predict.  While there will always be uncertainty regarding market interest rates, the current shape of the yield curve offers credit unions some opportunities to explore. Consider the decision to borrow funds.  Many credit unions are […]

February 9, 2018

The A/LM Implications of Tax Reform

While it could take years to quantify and understand the full impact of the recent Tax Cuts and Jobs Act, it is not too early to start thinking through the potential A/LM implications.  There are several intriguing changes, embedded within hundreds of pages of legislation.  The focus here will be on a few key highlights, […]

February 1, 2018

Now is the Time to Strategize on Investments

After the Great Recession, credit union loan-to-share ratios declined steeply and didn’t begin their long, slow recovery until 2013.  It has taken 4 more years to approach pre-crisis levels.  Now, credit unions are beginning to face very different questions than they have since the financial crisis. Even if your credit union isn’t feeling a liquidity […]

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