c. myblog

January 30, 2019

Navigating a Flat Yield Curve

As the New Year gets underway, management teams and CFOs have already started thinking through the various x-factors that could impact earnings in 2019.  At the top of the list for many decision-makers is a flat yield curve. The potential of a flat Treasury yield curve has been looming for quite some time.  In February […]

January 9, 2019

C. myers’ CUES Webinar Excerpt – Profitability by Category in Changing Rate Environments

This excerpt from our recent CUES webinar demonstrates how to look at Profitability by Loan Category from a bottom-line perspective.  In less than 5 minutes, we walk through some clear examples of what could happen to loan profitability as market interest rates change. To view the entire 1-hour CUES webinar, titled Advance Management of Your […]

November 28, 2018

Deposit And Liquidity Concerns

We have been talking about expectations of deposit and liquidity pressures for the last several years. Now, for many places those concerns are becoming reality. Loan growth for the industry has averaged about 10.6% for the last 4 years, while deposit growth has averaged about 6.1% for the same time frame. At the end of […]

October 3, 2018

Does Analyzing Business Decisions Through Volatility Make Sense?

A strong indicator of expected trends and opportunities credit unions are exploring is often found in the type of what-ifs requested from our clients. One of the many what-if requests we are getting is addressing deposits leaving, especially high-balance money markets. This pressure on liquidity, combined with other changes in the environment, is resulting in […]

September 19, 2018

Is Your Certificate Promotion Doing What You Want?

As liquidity and cost of funds pressures continue to be a focus, credit unions are exploring possible funding options within the liquidity toolbox. Among them, certificate promotions which, in this rate environment, are becoming a more frequently used tool. On the surface, attracting liquidity through certificates seems straightforward. Offer a competitive rate, promote it, and […]

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