c. myblog

February 19, 2010

Observations On A Steep Yield Curve

The Treasury yield curve is rarely as steep as it is today.  The spread between the 3-month and 10-year has recently exceeded 350 basis points.  In more certain times, steep yield curves are beneficial to credit unions because the rates paid on non-maturity deposits are influenced by the short end of the curve and the […]

February 9, 2010

The U.S. Mortgage Market: Government Support and Uncertainty

In 2009, we experienced an unprecedented level of government intervention in the mortgage market; and it is not over yet.  What happens when it is over?  The expected end of the new home buyer credit in 2009 no doubt greatly contributed to the 17% decline in home sales (Source:  Bloomberg News, U.S. Economy: Existing Home […]

January 7, 2010

Big Questions For 2010

2010 begins with an immense question attached to it:  Where will the economy go this year?  Confounding any sort of clear answer are the conflicting signs of continued recovery and renewed downturn that came with the close of 2009: The housing market has seen home prices rise for the sixth straight month in October.  However, […]

December 14, 2009

The Internet—Strategic Delivery Channel Issues And Differentiation

Evolving consumer behavior and internet usage trends may have an even more significant impact on the fundamental way credit unions strategically manage their business model and create differentiation in the future—and these trends aren’t necessarily isolated to a particular generation.  Consider the following statistics from the Pew Internet & American Life Project, January 2009: Today, […]

December 7, 2009

Will A Shift In Long-Term Borrowing Capacity Of Consumers Impact Your Business Model?

In February 2009, we published a c. notes article titled, Liquidity: 9 “What-Ifs” Worth Exploring.  Even though liquidity is not a concern now for many credit unions, events outside of their control could quickly make it a serious issue.  The article encourages credit unions to answer key valid questions to help prepare them for the […]

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