Search: "credit risk"

Focus on Frictionless

Your competition is not standing still. They are making it faster and easier for a consumer to open an account and get a loan by removing friction in their processes. More and more consumers are getting spoiled by how fast they can now do their banking, and they are telling their friends. You can easily […]

AICPA: Buzz About CECL

We had the benefit of speaking at the AICPA conference on one of our favorite topics, how to use ALM for actionable business intelligence. In this case, the focus was on how a credit union can support changes to remain relevant. Another topic that also had a lot of buzz at the conference was CECL, […]

Don’t Hit Cruise Control on Auto Loans

Auto sales, which have been at record levels and hit a peak of 17.8 million units last year according to CU Times, may be reaching a plateau. If your earnings are heavily reliant on sustained and significant production in auto loans, think strategically about the following: There are indications of changing behaviors affecting market demand.  […]

CECL’s Threats To Your Business Model: Six Questions To Consider

CECL is a new set of rules that every credit union eventually will have to play by. While it may not be in effect until 2021, many credit unions could find that they need all that time to reposition their business models to prepare for its impact. Keep in mind that the impact being discussed […]

Testing a Negative Rate Scenario? Consider These Questions First

There has been a lot of buzz recently about the potential for negative interest rates to hit U.S. financial markets at some point.  Short-term rates have been negative in Europe since June 2014, and the Bank of Japan made the move in January of this year. Before you test this scenario from an asset/liability management perspective, […]

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