Short and long-term market rates have been at—or near—record lows for almost 3.5 years. This has resulted in credit unions continually replacing higher-yielding assets with lower-yielding assets. This is creating earnings challenges at many institutions, particularly as the cost of funds is nearing a “floor.” So, is your NEV analysis reflecting this risk? The answer […]
Many credit unions, rightfully so, are focused on efficiency. One way to become more efficient is to have the member use the least expensive delivery channels for the credit union. Those delivery channels usually do not involve personal contact, at least initially. If your credit union is contemplating an efficiency strategy, part of the implementation […]
/images/White-Logo.png00Charlene Leland/images/White-Logo.pngCharlene Leland2012-03-29 13:59:272021-01-25 15:32:45Thinking Strategically About The Impact Of Efficiency
There has been a lot of excitement in the credit union industry as of late about the potential positive impact that proposed legislation on small business lending could have on the industry’s search for new sources of loan growth. According to a recent Wall Street Journal article, Sen. Mark Udall (D-CO) plans to file legislation […]
With the OTS having been merged into the OCC, credit unions are looking for alternative sources for loan prepayment information to use when quantifying interest rate risk (IRR). Unfortunately, there are a limited number of publicly available sources for this information. The Securities Industry and Financial Markets Association (SIFMA) is one publicly available source that […]
/images/White-Logo.png00Charlene Leland/images/White-Logo.pngCharlene Leland2012-03-16 10:10:042021-01-25 15:32:45What Is Your Alternative To OTS For Prepayment Information?
Every day we’re faced with new statistics that may shape our thoughts about where the economy is and where it’s going. For example, household borrowing grew in 2011 and, as recently as January, was increasing at an annual rate of 8.6%. GDP has been increasing for the last three quarters and unemployment is decreasing. But […]
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Is NEV Capturing The Risk Of Declining Asset Yields?
ALM Blog PostsShort and long-term market rates have been at—or near—record lows for almost 3.5 years. This has resulted in credit unions continually replacing higher-yielding assets with lower-yielding assets. This is creating earnings challenges at many institutions, particularly as the cost of funds is nearing a “floor.” So, is your NEV analysis reflecting this risk? The answer […]
Thinking Strategically About The Impact Of Efficiency
ALM Blog PostsMany credit unions, rightfully so, are focused on efficiency. One way to become more efficient is to have the member use the least expensive delivery channels for the credit union. Those delivery channels usually do not involve personal contact, at least initially. If your credit union is contemplating an efficiency strategy, part of the implementation […]
The Buzz On Small Business Lending
ALM Blog PostsThere has been a lot of excitement in the credit union industry as of late about the potential positive impact that proposed legislation on small business lending could have on the industry’s search for new sources of loan growth. According to a recent Wall Street Journal article, Sen. Mark Udall (D-CO) plans to file legislation […]
What Is Your Alternative To OTS For Prepayment Information?
ALM Blog PostsWith the OTS having been merged into the OCC, credit unions are looking for alternative sources for loan prepayment information to use when quantifying interest rate risk (IRR). Unfortunately, there are a limited number of publicly available sources for this information. The Securities Industry and Financial Markets Association (SIFMA) is one publicly available source that […]
Making Sense of Economic Change
Economy Blog PostsEvery day we’re faced with new statistics that may shape our thoughts about where the economy is and where it’s going. For example, household borrowing grew in 2011 and, as recently as January, was increasing at an annual rate of 8.6%. GDP has been increasing for the last three quarters and unemployment is decreasing. But […]