c. myblog

December 8, 2016

Six Questions CFOs Are Asking About Liquidity

Consumer confidence hit a nine-year high in November as consumers’ views on both economic conditions and the labor market improved (Source: Wall Street Journal). Many credit unions have enjoyed increasing loan-to-assets, as have their competitors. Even if interest rates don’t increase, many decision-makers with high loan-to-assets are grappling with questions such as: Do we have […]

September 9, 2016

5,875 – The Number of Credit Unions with Assets Less Than What?

Can you guess what this number represents?  You probably would not have guessed that this is the number of credit unions with assets less than the balances held on the Starbucks app and gift cards, which as of the first quarter 2016 totaled $1.2 billion (Source: marketwatch.com).  As a point of comparison, this is more […]

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 […]

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