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OBSERVATIONS FROM ALM MODEL VALIDATIONS: DO DECAY RATES MATTER?

Yes. Decay rates do matter, but they are often not appropriately applied in the asset/liability management (ALM) process. Decay rates are essential for capturing the risk of evolving member behavior, namely deposit migration, as rates change. This blog will focus on using decay rates when simulating net economic value (NEV). Model validations typically reveal two […]

Strategic Planning for Mobile Users

It is a safe bet to assume that many credit union strategic plans include a focus on engaging mobile users. One of the first steps in engaging a consumer is to better understand them. The Federal Reserve’s report, Consumers and Mobile Financial Services 2015, is nothing short of a treasure trove of data that has […]

Project Management Tip #9: Ideal Mapping

Creating an ideal process map is a critical part of project planning. This process is well worth the effort, as it helps stakeholders to solidify and reach clarity on objectives. For instance, if the credit union is implementing a new loan origination system, the ideal mapping can serve as a guideline for what the project […]

A/LM Education – Advanced – Full

This course builds on the concepts provided in the Fundamentals: Using A/LM as a Weapon course. Previous concepts are explored in more depth and new complex subjects are introduced. Participants can earn up to 8 CPE credits.

Advanced A/LM Education

This course builds on the concepts provided in the Fundamentals: Using A/LM as a Weapon course. Previous concepts are explored in more depth and new complex subjects are introduced. Participants can earn up to 8 CPE credits.

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