c. myblog

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 […]

February 23, 2017

Don’t Just Focus On Interest Rate Risk – Yield Matters

While interest rates have been fluctuating over the last few months, some feel rates will consistently begin to move up based on indications from the Fed. But what if they don’t? As you discuss your earnings and interest rate risk, it is important to not just look at the risk. Credit unions should pull it […]

February 15, 2017

Too Much Loan Growth?

Many credit unions have had the good problem of being so successful in lending that liquidity has become a challenge.  A blog we wrote in December 2016 identified 6 key questions that decision-makers should evaluate on the issue.  This post expands on that topic by looking at several possible liquidity solutions credit unions are considering […]

January 18, 2017

Pay Attention to Liquidity

As we conclude our budget and forecasting work with many credit unions, we continue to see expectations for loan growth to exceed share growth in 2017. Combining this trend with an assumption for higher interest rates could squeeze liquidity positions in 2017. Callable bonds may no longer get called and mortgage related assets will extend […]

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