c. myblog

March 14, 2018

New Napkin Math Video Series

Imagine brainstorming various ideas with your team.  You want to see the financial impact fast!  We created our Napkin Math Video Series to help keep the conversation moving.  The primary purpose of the videos is to show simple math that people can do on a napkin to understand ballpark financial performance. There are five videos […]

September 14, 2017

What-If Analysis In The Decision-Making Process – Test Your Hypothesis

Performing what-if analysis is an integral part of both the A/LM and budget processes. When used correctly, what-if analysis is a powerful way for decision-makers to understand the impact of items under consideration in real-time. The challenge is that often people dive right into modeling and results, producing a less than optimal process. Consider applying […]

January 26, 2017

Interest Rate Risk Management: Timing of Earnings Matters

Would it surprise you that some interest rate risk mitigation strategies actually add risk for a period of time?  In the end, these strategies may be effective at mitigating interest rate risk but it may take years for the effectiveness to be felt.  The challenge is that many methods used to test mitigation options, like […]

November 3, 2016

6 Dos and Don’ts of the NCUA’s NEV Supervisory Test

Consider the following as you implement the NCUA’s NEV Supervisory Test: DO make sure to understand your answers by running NEV with the non-maturity deposit caps the test uses (currently 1% and 4%) before NCUA comes into your credit union. DON’T forget why NCUA decided to standardize. One of many reasons is that there is […]

July 22, 2016

Be Clear on Your Objective of Doing a Core Deposit Study

Earlier this week we presented at a virtual roundtable with 100+ CFOs, and one of the most common questions centered around the benefits, or lack thereof, of doing core deposit studies for use in net economic value (NEV). It is important to study member behavior with respect to deposits, including migration, pricing strategy, and competitive […]

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