The following blog post was written by c. myers and originally published by CUES on October 7, 2019. If it is, you’ll successfully implement your plan. Is strategy or implementation more important? Yes! That’s a slightly nonsensical way of saying that these two components are so critical and dependent upon each other that both […]
What might you miss if you only focus on the margin? This video demonstrates how the margin compares to bottom line ROA in different rate environments. When you have 6 to 7 minutes, please watch the new video and let us know what you think. To view other videos, visit our videos page.
Continued uncertainty around the level and direction of interest rates seems to be the name of the game these days. A year ago, around this time, many market watchers believed that interest rates would continue to rise over the course of 2019. The exact opposite occurred, and since the Fall of 2018, long-term rates have […]
Growth in core, low-cost deposits seems to be a source of frustration for many credit unions of late. While overall credit union deposit growth is positive, much of the growth is in the form of higher rate member certificates. Member certificates can be a reliable source of liquidity, but the higher cost chews into loan […]
Risk limits are intended to outline the sandbox you can operate in. They are intended to keep the institution safe by raising a red flag when the edges of the sandbox are breached. So it’s essential that the lines around the sandbox make sense and send a warning when the institution is wading into dangerous […]