c. myblog

May 3, 2018

Additional Considerations of A/LM Implications of Recent Tax Reform

In early February, the blog post, The A/LM Implications of Tax Reform, addressed some of the potential A/LM considerations of the recent Tax Cuts and Jobs Act.  The focus at that time was on the potential challenges and opportunities stemming from: Lower corporate tax rate Reduction in the mortgage interest cap Changes to individual tax rates […]

April 26, 2018

Is ARM Refinancing Set to Increase?

Last week we posted a blog on the evolving mortgage landscape, focusing on changing consumer behaviors and expectations.  This blog addresses a more specific aspect of mortgage lending, the likelihood that due to increases in mortgage rates, financial institutions will see an increase in existing adjustable rate mortgages (ARM) that refinance, as well as an […]

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, […]

April 26, 2017

Trends in Auto Sales and Prices: Questions to Consider

Automakers have been informing investors for months now of a potentially difficult road ahead. Recent articles indicate trends that may present risks or opportunity to your credit union, depending on your situation. Auto sales have declined the first three months of the year with the current, seasonally-adjusted pace annualizing out to 16.6 million compared to 16.7 […]

March 30, 2017

Borrowing Trends are Changing…

Would you be surprised by who is actually borrowing from your credit union, or applying for loans?  A recent article in the Wall Street Journal (WSJ) noted the growing trend of baby boomers moving into their retirement years completely unprepared from a financial perspective. The article states that “people in the U.S. ages 65 to […]

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