As deposits continue to grow and loan growth is a struggle, many credit unions are wondering what they can do with their overnight funds to pull in some extra yield. Below is a case study of a credit union that has positive earnings and not much interest rate risk as seen by the 9.54% net […]
https://www.cmyers.com/wp-content/uploads/2020/12/blog-post-scaled.jpg17072560Charlene Leland/images/White-Logo.pngCharlene Leland2013-05-09 21:51:382021-03-02 14:05:42Understanding Interest Rate Risk is Not a Static Issue
Most liquidity concerns today revolve around having too much liquidity without viable investment opportunities. However, after the recent (and sustained) flight to safety, some credit unions are beginning to consider the potential impact of liquidity leaving insured financial institutions. In the short-term, a liquidity event may be significant deposit run-off or draws on unfunded loan […]
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 […]
If done appropriately, strategic planning can help guide a credit union toward making necessary decisions for the credit union’s future. Strategic planning session(s) can outline where the credit union is now, determine where the credit union wants to be in the future and brainstorm how to get there. Below are some questions to consider when […]
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Investment Decisions: Reaching for Yield
Interest Rate Risk Blog PostsAs deposits continue to grow and loan growth is a struggle, many credit unions are wondering what they can do with their overnight funds to pull in some extra yield. Below is a case study of a credit union that has positive earnings and not much interest rate risk as seen by the 9.54% net […]
Understanding Interest Rate Risk is Not a Static Issue
ALM, Interest Rate Risk ArticlesLiquidity – Evaluating And Understanding Your Contracts
Liquidity Blog PostsMost liquidity concerns today revolve around having too much liquidity without viable investment opportunities. However, after the recent (and sustained) flight to safety, some credit unions are beginning to consider the potential impact of liquidity leaving insured financial institutions. In the short-term, a liquidity event may be significant deposit run-off or draws on unfunded loan […]
NCUA’s Interest Rate Risk Questionnaire – Starting the Conversation
Interest Rate Risk Blog PostsMore 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 […]
Is Your Strategic Planning Session Strategically Planned?
Strategic Planning Blog PostsIf done appropriately, strategic planning can help guide a credit union toward making necessary decisions for the credit union’s future. Strategic planning session(s) can outline where the credit union is now, determine where the credit union wants to be in the future and brainstorm how to get there. Below are some questions to consider when […]