c. myblog

November 9, 2017

Optimize Your Budget Business Intelligence

Given all of the time and rigor that typically go into the annual budget process, it makes sense to consider how that process might be improved and generate greater business intelligence for decision-makers.  Beyond creating a base budget, following these 6 steps can help take the budgeting process to the next level and provide leaders […]

November 1, 2017

Recent Uncertainty Highlights The Importance of Evaluating Strategic Net Worth Requirements

The rapidly changing competitive environment and recent natural disasters are reminders of the importance of evaluating strategic net worth requirements. A key component to understanding strategic net worth requirements is taking a deliberate approach to understanding aggregate risk.  In a previous blog post we outlined an approach to help with this process. Two types of […]

October 19, 2017

Concentration Risk Limits on Mortgage-related Assets and the Unintended Consequences

Not all mortgage-related assets are created equal.  Therefore, using a one-size-fits-all approach in establishing concentration risk limits can lead to missed opportunities or a false sense of security. Concentration risk policies are intended to reduce the impact a risk event could have on a credit union’s balance sheet, financial structure, and/or business model.  The NCUA […]

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 […]

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