Search: "business models"

Is Your Battlefield Changing Like Blockbuster’s Changed?

In 2004, with $5.9 billion in revenue and 9,000 stores, Blockbuster enjoyed a dominant position in its market.  In the evenings and on weekends, their stores were busy with people eager to review the latest titles and select their entertainment for the evening.  However, by 2013, Blockbuster was down to just 300 stores earning $120 […]

Capital Planning and Stress Testing

As the first round of NCUA supervisory stress tests are being completed, NCUA’s capital planning and stress testing rule for the largest credit unions might have you asking if you should be doing capital planning and stress testing too. Even if you are not a federally insured credit union with assets of $10 billion or […]

Thank Goodness the Proposed Risk-Based Capital Rule Doesn’t Affect Me!

If you’ve looked at NCUA’s calculator and determined that the rule won’t hurt you, go ahead and breathe a sigh of relief.  Then set aside some time to at least look at the table of risk weightings and some of the many analyses that have been done by various groups.  This is a cooperative industry […]

Appropriately Managing Risks to Net Worth

Many risks are present in credit union structures and business models today. Interest rate risk, liquidity risk, credit risk, compliance risk, regulatory risk, business risk, fraud risk—the list can go on and on. Increasing regulatory pressure to ensure that all risks are understood and quantified heightens the stakes for all involved in the risk management […]

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