c. myblog

February 2, 2012

Are You Feeling Liquid?

It may be the last thing you think you need to worry about—needing liquidity. However, the things furthest from your mind could be the most important to think about in the risk management process.  Risk management is, in part, an exercise of thinking about and preparing for the unexpected.  When was the last time threats […]

February 17, 2011

Shifting Deposit Trends

Over the last couple years, credit unions have grown lower-cost deposits.  This growth has largely been the result of a flight to safety that has occurred due to the economic environment.  Certificates of deposit (excluding IRAs) have decreased from a high of about 28% of funding in late 2007 to about 24% as of 3rd […]

April 23, 2010

Liquidity: Another Thing to Worry About?

Imagine a scenario where it is difficult to find deposits. Suppose the stock market is booming and members are taking funds out of your credit union. Even if you don’t have liquidity issues, what if your competitors do and deposit rates are higher as a result? Is this hard to imagine given all the liquidity […]

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