6 minute read – For many C-Suites, discussions around loan and deposit pricing, and funding strategies are now beyond the short-term band-aid. Leadership teams are expanding their views to grapple with the inevitable – What may the future hold when our shorter-term funding band-aids peel off? There is no one answer to this question. That … Continued
6 minute read – Most financial institutions have, for many decades, utilized a strategy of lagging deposit rate increases when market rates rise. However, with the increased competition for deposits at a time when it has never been easier to move funds, this strategy could potentially prove costly in the long run. When determining your … Continued
5 minute read – As rates have increased materially, and liquidity pressure continues to build, leaders are faced with hard and timely decisions. We feel reposting our blog on decay rates will help decision-makers keep critical ALM modeling issues top of mind. The weight of important decisions is always present – don’t lose sight of … Continued
4 minute read – Thriving leaders embrace the fact that they are in the people business, first and foremost. They realize and appreciate that – regardless of the external forces they face, how advanced technology becomes, and whether they are poised for rapid growth or preparing for recession – they still need to prioritize … Continued
3 minute read – When the going gets tough, the tough get going, but the tough might also be getting tired. Knowing that the world isn’t slowing down any time soon, it is essential that you are taking actions to ensure that you can sustain your leadership team and your financial institution through the next … Continued
3 minute read – The list of pressures on revenue and earnings seems to grow by the day. There are many different drivers of inflation right now, such as food prices, supply chain issues, and wage growth, each of which brings their own unique impacts. Rising rates, recession concerns, and tightening liquidity bring additional pressures … Continued
4 minute read – Why do you want to grow? Financial institutions have many different reasons, but one of them is almost always for scale. Digging deeper, they want to get the boost that size can give in terms of making it easier to grow revenue faster than expenses. Ironically, one of the most … Continued
4 minute read – The competition for talent has been raging for the past few years. While it seemed to come to a head after the pandemic, the demographic underpinnings have been at play for decades. As teams work to meet today’s talent challenges, approaching the situation as if it’s permanent can recast the thinking, … Continued
7 minute read –“Wait…What? My balance sheet structure really hasn’t changed in the last few months, yet the NCUA NEV Supervisory Test now shows that we went from low/moderate risk to high risk, teetering on extreme. Why is there such a dramatic shift in results?” This is an example of recent conversations with credit union … Continued
