Search: "credit risk"

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 […]

Qualified Mortgages, More Than Just a Compliance Issue…

As of January 10, 2014, the “Ability to Repay and Qualified Mortgage Standards under the Truth in Lending Act (Regulation Z)” went into effect. Beyond the added compliance burden this will have, consider how this rule could impact strategy, interest rate risk and earnings at individual credit unions, and for the financial services industry as […]

NCUA – Updated Standards of Investment Creditworthiness (Investment Grade)

One of the many results of the Dodd-Frank Act is that government agencies, including NCUA, remove references to Nationally Recognized Statistical Rating Organizations (NRSRO) that are contained within regulation. NCUA published the final rule pursuant to this order in December 2012, and the final rule became effective June 11, 2013. While the final rule does […]

NCUA’s Interest Rate Risk Questionnaire – Starting the Conversation

More institutions are being presented with NCUA’s Interest Rate Risk Questionnaire in advance of examinations and being asked to fill them out. During the preparation for an examination, this may seem like the last thing a busy management team should be concerned with, but it should be taken as an opportunity to refresh credit union […]

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