Videos
Results Dashboard – c. the difference
7 minute video – This short video gives you a snapshot of our results dashboard and the many windows of information it provides.
Results Dashboard – c. profitability profile: margin vs bottom line ROA
7 minute video – 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.
Results Dashboard – c. profitability profile: different investments
6 minute video – This video demonstrates how you can analyze your profitability profile for different investments in a variety of rate environments.
Blogs
Should Your Credit Union Book Fixed Rate Mortgages?
4 minute read – Nationally auto sales are starting to slow, which is making vehicle loans more difficult to come by for many credit unions. At the same time, mortgage rates are hovering near record lows. The result is that many credit unions see a lot of opportunity in originating mortgages, and are trying to determine an appropriate level to hold in their loan portfolios…
Is Strategy Actually Driving What Your Credit Union Does?
The following blog post was written by c. myers and originally published by CUES on October 7, 2019. 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 must be successful for your well-crafted plan to become a reality…
When Risk Limits and Business Decisions Collide.
There is a lot of uncertainty these days in the economic and interest rate environments. This has made decision-making at credit unions more difficult. In January 2019, we wrote a blog on some ways to manage through an environment with a flattening yield curve. Since that time, the yield curve has not only flattened, but at various times throughout the first half of 2019 we have seen inversions…
Why is NEV Showing More Risk Without Any Balance Sheet Changes?
Many credit unions have been seeing their NEV ratios decline since the end of 2018, even without any meaningful balance sheet changes. Others have shortened their assets and are still seeing their +300 NEV volatility increase. So what could be causing this trend that seems contrary to what one would expect from their balance sheet profile…
