c. myblog

April 21, 2016

Of Bulls and Bears – Twisting the Yield Curve Is More Than Just a Stress Test

If you’re a financial institution, you need to understand how changes in market rates could affect your financial well-being. That’s what A/LM analysis is for. Traditional A/LM analysis has revolved around simple, instantaneous, and parallel shifts in rates. But in reality, rates have rarely shifted in parallel (not to mention instantaneously). As an example, using […]

April 8, 2016

Testing a Negative Rate Scenario? Consider These Questions First

There has been a lot of buzz recently about the potential for negative interest rates to hit U.S. financial markets at some point.  Short-term rates have been negative in Europe since June 2014, and the Bank of Japan made the move in January of this year. Before you test this scenario from an asset/liability management perspective, […]

March 31, 2016

How Better Processes Can Help Solve Your Talent Crisis

As the nation’s unemployment rate continues its downward trend, many credit unions are celebrating higher loan demand and lower loan losses.  But as most employers know, low unemployment levels have a darker side. Great talent is precious and sometimes elusive.  To survive and thrive in the highly competitive and rapidly evolving financial services industry, high-quality […]

March 10, 2016

A/LM Education and Anticipating What is Top of Mind

We are looking forward to hosting 3 days of asset/liability management (A/LM) education next week. Often our education classes will have a similar foundation of how to use A/LM to make decisions, how to identify what environmental factors to watch, and how to see potential problems that might be hiding in the modeling—to name a […]

November 7, 2014

Will Recent Real Estate History Repeat Itself?

The director of the Federal Housing Finance Agency recently announced that Fannie Mae and Freddie Mac were planning to bring back some of the same types of lending criteria credited with contributing to the last crisis in housing (such as lower down payments, etc.). The intended objective is to further stimulate the housing market, which […]

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