This author has yet to write their bio.Meanwhile lets just say that we are proud Kaylyn Aguilar contributed a whooping 25 entries.
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 […]
Alternative financial providers continue to make inroads with creative solutions and non-traditional marketing efforts. Although some Fintechs may never make a profit and ultimately fade away, they are still permanently changing the competitive landscape. It seems Fintechs recognize that many consumers live in a “gig economy” and shy away from longer-term commitments; this recognition creates […]
Uncertainty in market rates can be nerve-wracking. It is also a catalyst for really taking control of what you can control. Many credit unions have a very efficient process for indirect lending. Why? Two main reasons. The margins are very thin, and the dealers demand speed. So while you can’t control market rates, you can […]
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