c. myblog

July 9, 2015

An Approach to Monitoring Liquidity

Loan growth in the credit union industry was in double-digits as of first quarter 2015.  While this is a welcome change from the flat to negative growth experienced in 2010, it can put a squeeze on liquidity if not monitored appropriately.  Liquidity monitoring and measuring is a big focus for credit unions and for examiners.  […]

November 21, 2014

If Your Loans are Growing Faster…

If you are planning for your loans to grow faster than your deposits, helpful blogs to review include: Selling Investments for Liquidity Liquidity Risk: Loan-to-Share Ratios Are Moving Up Liquidity: Positioning Your Credit Union for Long-Term Solutions

November 13, 2014

Selling Investments for Liquidity

A few weeks ago, we discussed increasing loan-to-share ratios resulting from loan growth outpacing share growth.  The blog went on to discuss the potential liquidity pressures some could experience, today or in the future, if this trend continues. To keep the lending machine going, many decision-makers maintain that to fund future loan growth they will […]

October 17, 2014

Liquidity Risk: Loan-to-Share Ratios Are Moving Up

Throughout the sustained, low interest rate environment, many credit unions have become flush with non-maturity deposit funds, while also experiencing lackluster loan growth.  In other words, liquidity risk hasn’t necessarily been at top of mind. However, as the economic landscape shifts and murmurings of an increase in government interest rates grow, the issue of liquidity […]

October 31, 2013

All Sources Of Liquidity Cost Something – But Which Impacts Net Worth Ratios The Least?

As credit unions develop contingent funding scenarios to test against contingency funding plans, the solution to a liquidity event is perhaps as important as ensuring the scenario is both realistic and rigorous. In working with various credit unions, solutions to liquidity scenarios range from CD promotions to brokered (non-member) deposits to borrowings and lastly, to […]

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