c. myblog

April 4, 2018

Keep Your Economic Engine Running

Credit unions have been laser focused on fine-tuning their main economic engine – lending – and many have been very successful. Loan demand is strong and liquidity is tightening. After years of attention to the engine, it’s time to put that same level of focus on the fuel. Without affordable sources of funding, that big, […]

March 7, 2018

c. notes – Liquidity: Shifting Gears

Liquidity as an industry issue took a long hiatus.  Now that it’s back, it is clear that the situation and methods to manage it will be different than they were in the mid-2000s.  Liquidity that used to act like a faucet you could turn on and off with rates may not work that way this […]

February 1, 2018

Now is the Time to Strategize on Investments

After the Great Recession, credit union loan-to-share ratios declined steeply and didn’t begin their long, slow recovery until 2013.  It has taken 4 more years to approach pre-crisis levels.  Now, credit unions are beginning to face very different questions than they have since the financial crisis. Even if your credit union isn’t feeling a liquidity […]

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 […]

August 2, 2017

Where Is Your Deposit Growth Coming From?

Many financial institutions have become increasingly concerned about liquidity and for good reason. While deposit growth is often celebrated, where that growth is coming from can have important implications with respect to liquidity, A/LM, and future plans around membership and asset growth. Is your institution’s deposit growth coming primarily from growth in new accounts or […]

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