c. myblog

December 5, 2013

Stress Test Your Budget

Budget season is in full swing and with that comes putting your best foot forward regarding what could happen in the future. This is never an easy task whether you are budgeting for 2014 or doing a long-term financial forecast into 2015 and beyond. In our work with helping credit unions through the budget process, […]

April 4, 2013

Shrinking Margins Yet Higher ROAs? The Sustainability Question…

Unsurprisingly, many credit union leaders continue to watch their net interest margins erode in this continued, low rate environment. In fact, net interest margins have dropped to levels not experienced in over 20 years, dropping below 3% throughout all of 2012 trending down to 2.93% as of December 31, 2012 according to NCUA aggregate data. […]

February 7, 2013

Survey: Budgeting

Now that the budget is done, 2012 is closed and you have a chance to breathe…what is one thing you would change about the budgeting process? Please click here to answer our survey question.

November 29, 2012

Yield on Assets—How Low Can it Go?

How does net income look for 2013?  Even if your budget is showing satisfactory earnings you might not be out of the woods yet. Earnings could be temporarily propped up by higher yielding loans and investments put on the books in years past.  Unsustainably low provision for loan losses could also be skewing the picture. […]

November 15, 2012

Test Your Budget As Part Of Your A/LM Process

Wouldn’t it be nice to know if that “light at the end of the tunnel” is actually a fully loaded freight train coming straight at you?  Back in August, we wrote a blog with some tips on budgeting heading into 2013:  Budgeting Tips For 2013.  One of the points suggested evaluating the budget from an […]

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