c. myblog

September 7, 2017

Hidden Cost of Addressing Liquidity Needs

Loan growth is a good thing, but when it outpaces deposit growth, liquidity pressures start to build. If your credit union is experiencing this situation, there are several liquidity options to consider—each of which comes with its own unique trade-offs. Here we look at two of them. Third-Party Borrowings Third-party borrowings are a common source […]

June 29, 2017

Strategic Budgeting/Forecasting Questions: Linking the Appetite for Risk

The fifth entry in our 6 blog series about Strategic Budgeting/Forecasting Questions addresses the institution’s appetite for risk and how it should connect to the budget or forecast. Question 5 – How is the budget and forecasting linking to our appetite for risk? A few short months from now, every credit union will be going […]

May 31, 2017

c. notes – 7 Core Competencies of a Strategic CFO

To view a printable version of this article, click here. Financial institutions of all shapes and sizes are witnessing historic changes in the environment as they struggle to embrace a world that is becoming more and more digital.  Credit unions, specifically, are facing increasing pressure to remain relevant in an environment that is fraught with […]

April 19, 2017

HELOC Considerations in a Rising Rate Environment

With the recent increase in short-term interest rates, specifically Prime rate, many credit unions are taking a closer look at the impact of higher rates on their HELOC portfolios. Anything is possible when it comes to future market interest rates but a continued increase in Prime means members will have higher interest rates and higher […]

March 23, 2017

Interest Rates Have Risen – Now What?

The 3-month Treasury rate has moved more in the last 8 months than it has in the preceding 8 years.  For many who think of A/LM in a time of rising rates, it can be time to calibrate pricing strategies, non-maturity deposit withdrawal assumptions, or loan prepayment speed assumptions.  Others may begin to consider strategic […]

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