c. myblog

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 […]

March 22, 2013

“My investment portfolio is not working for me!”

This is a statement heard more frequently in the past couple of years.  For those thinking it, here are some questions worth considering. Question 1:  Is my lending process working for me? The economy shows glimmers of improvement, with home values up and consistent increases in new auto sales as some evidence.  Before turning to […]

December 13, 2012

What If The Fed Rate Projection Is Right?

This is a question credit unions should try to answer as part of their ongoing long-term forecasting process.  The FOMC reaffirmed on Wednesday (December 12) that they do not anticipate raising rates until 2015. Source:  Federal Reserve So what happens to earnings and net worth if rates stay at historic lows for two more years, […]

March 12, 2012

Making Sense of Economic Change

Every day we’re faced with new statistics that may shape our thoughts about where the economy is and where it’s going.  For example, household borrowing grew in 2011 and, as recently as January, was increasing at an annual rate of 8.6%.  GDP has been increasing for the last three quarters and unemployment is decreasing.  But […]

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