c. myblog

October 10, 2018

Money Markets are Walking Out the Door

Many credit unions are telling us that money markets are walking out the door. How concerned are you about this trend over the next 2 years? Let us know by taking our poll.

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 […]

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 […]

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