Search: "business model"

Execution: A Strategic Plan’s Worst Enemy

  Many credit unions are heading into their annual strategic planning process.  Successful strategic planning requires credit unions to answer tough questions.  For example: Is our business model relevant or does it need to be fine-tuned or completely overhauled?  Are members changing the way they use our delivery channels and, if so, what do we […]

Linking Strategy With Desired Financial Performance

The strategic planning season is right around the corner. At the end of their overall strategic planning process, many credit unions believe they have linked strategy with their desired financial performance. Some credit unions decide on targeted financial ratios and believe they are linking strategy with financial performance, but not high-functioning credit unions. They simulate […]

Investment Decisions: Reaching for Yield

As deposits continue to grow and loan growth is a struggle, many credit unions are wondering what they can do with their overnight funds to pull in some extra yield.  Below is a case study of a credit union that has positive earnings and not much interest rate risk as seen by the 9.54% net […]

“My investment portfolio is not working for me!”

This is a statement heard more frequently in the past couple of years.  For those thinking it, here are some questions worth considering. Question 1:  Is my lending process working for me? The economy shows glimmers of improvement, with home values up and consistent increases in new auto sales as some evidence.  Before turning to […]

Yield on Assets—How Low Can it Go?

How does net income look for 2013?  Even if your budget is showing satisfactory earnings you might not be out of the woods yet. Earnings could be temporarily propped up by higher yielding loans and investments put on the books in years past.  Unsustainably low provision for loan losses could also be skewing the picture. […]

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