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 […]

April 10, 2014

A/LM Training and Education for Credit Unions

  With the abundance of challenges facing credit unions today, more importance is being placed on A/LM training and education for key decision-makers within the organization.  Many credit unions have mentioned lately that examiners are also placing more emphasis on training for board and ALCO members.   There are many varieties of training and education. […]

March 6, 2014

Make “Silo” Thinking a Thing of the Past: A/LM Education and Decision Filters

One of the challenges of running a successful credit union, and any business for that matter, is “silo” thinking in which talent is focused solely on individual areas and has lost sight of the bigger picture. Making decisions in isolation can be detrimental to the overall success of an institution. However, effective A/LM education and […]

April 26, 2012

Bits And Bites For The Board

NCUA’s new rule on interest rate risk emphasizes board-approved policy and oversight by the board.  The board is also responsible for setting strategic direction.  With the speed of change the industry has experienced lately, keeping board members apprised of all that’s happening has become more challenging than ever. Board meetings typically focus on the day-to-day […]

December 16, 2011

Aggregating Risks To Net Worth—The Credit Risk Component

During a recent education course, we fielded the following question:  “How do you develop a proxy for a worst-case loan loss assumption when aggregating risks to net worth?” This is a great question and it stimulated lively discussion.  While there is not one right way, the following method has been valuable in developing concentration risk […]

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