c. myblog

January 16, 2019

Deposit Disruption, 2019 Edition

The following blog post was written by c. myers and originally published by CUES on January 2, 2019. How will you respond? Imagine a world where member deposits are harder and harder to come by—a world in which slow leaks in the potential deposit pool have become a steady drain. As you imagine that world, the time […]

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 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, […]

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