c. myblog

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 […]

August 30, 2012

Budgeting Tips For 2013

As the 2013 budgeting season gets into full swing, things have not changed much for most credit unions.  The industry is still facing the challenges of weak loan demand, robust deposit growth and declining asset yields.  Here are a few things to keep in mind as you put together your budget: Make it as realistic […]

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