c. myblog

September 9, 2016

5,875 – The Number of Credit Unions with Assets Less Than What?

Can you guess what this number represents?  You probably would not have guessed that this is the number of credit unions with assets less than the balances held on the Starbucks app and gift cards, which as of the first quarter 2016 totaled $1.2 billion (Source: marketwatch.com).  As a point of comparison, this is more […]

August 5, 2016

Interest Rate Risk in an Auto Loan – Really?

The competitive landscape for auto loans has fundamentally changed over the last 15 years.  There are more non-traditional lenders vying for autos and non-credit union lenders have been saturating the indirect lending market. These trends put pressure on pricing and take a bite out of the auto lending pie.  As a result, financial institutions are […]

July 12, 2016

Raging Payment Battle Requires Purposeful Strategic Thinking

Today, July 12, is Amazon’s Prime Day.  As part of the event, they are encouraging their members to apply for their Amazon Prime Store Card, which, among other features, offers 5% back on eligible Amazon purchases. The raging battle for payments continues to escalate.  Amazon is just one more threat to interchange income.  If you […]

June 28, 2016

Brexit’s Effect On Your Business Model

Except for those that have been on vacation in a very remote location, all of us have heard or read countless reports about how voters in The United Kingdom (UK) decided to leave the European Union (Brexit), and predictions about the impact to the global economy (Source). This decision will have long-term implications, as UK […]

April 29, 2016

Of Bulls and Bears – Margin Impact from Changing Yield Curves

After the blog published on April 21, 2016, we have received a number of comments regarding why we were silent on the industry “conventional wisdom” that a wider yield curve can provide stronger net interest margin, and that a narrower yield curve can squeeze the margin. This can be true, but often is not. All […]

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