Search: "interest rate risk"

Proposed Interest Rate Risk Regulation Could Have Unintended Consequences

Proposed Interest Rate Risk Regulation

Newly proposed regulations would require federally insured credit unions to not only have an effective interest rate risk management program, but also a written policy addressing interest rate risk management.  The NCUA has taken this step due to concerns about the level of interest rate risk being taken by many institutions, as material concentrations in […]

Lower Earnings Or Increased Interest Rate Risk?

If there is one thing to be said infallibly about risk management, it is never black and white.  The historically-low rate environment coupled with mostly-anemic consumer loan demand has put increased pressure on credit union margins across the nation; moreover, many are reaching their floor with regard to lowering deposit rates.  In light of the […]

Interest Rate Risk Checklist and Commentary

Opportunities within the Treasury Yield Curve

Much has been written about the U.S. Treasury yield curve recently – it’s narrowing, it’s widening.  It’s nearly impossible to predict.  While there will always be uncertainty regarding market interest rates, the current shape of the yield curve offers credit unions some opportunities to explore. Consider the decision to borrow funds.  Many credit unions are […]

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