Many credit unions are beefing up their risk management process. However, a critical component of the risk management process that is missing for many is evaluating and managing risk in aggregate. According to conventional wisdom, risk is quantified and managed in silos—including interest rate risk (IRR), credit risk, concentration risk, etc. External forces no longer […]
Traditionally, auto loans have been the “bread and butter” of credit union loan portfolios. However, 1st mortgages have claimed that honor with short- and long-term trends showing continued declines in auto loans as a percent of total loans for the credit union industry’s balance sheet. Auto loans have been consistently decreasing from roughly 40% of […]
Many credit unions are examining their business models and dissecting their membership in several ways. One example is by age group. The objective is to understand where business is coming from to help ascertain the age groups that contribute the most to the cooperative. Often the focus is on loans and deposits. However, a key […]
/images/White-Logo.png00Charlene Leland/images/White-Logo.pngCharlene Leland2011-09-09 10:26:152021-01-25 15:32:47Sources of Revenue…Something to Consider
These are challenging times for financial institutions but it’s tough for individuals too. Setting aside employment woes, managing personal finances has become especially difficult with the stock market in flux and dismal returns on deposits. As financial institutions shift strategies to adapt to the environment, customers are reacting by looking for a better deal. A […]
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Excerpt: Silo Risk Management Needs To Stop
ALM Blog PostsMany credit unions are beefing up their risk management process. However, a critical component of the risk management process that is missing for many is evaluating and managing risk in aggregate. According to conventional wisdom, risk is quantified and managed in silos—including interest rate risk (IRR), credit risk, concentration risk, etc. External forces no longer […]
Auto Lending: The Concerning Slow Decline
ALM, Budgeting, Economy Blog PostsTraditionally, auto loans have been the “bread and butter” of credit union loan portfolios. However, 1st mortgages have claimed that honor with short- and long-term trends showing continued declines in auto loans as a percent of total loans for the credit union industry’s balance sheet. Auto loans have been consistently decreasing from roughly 40% of […]
Silo Risk Management Needs to Stop
ALM, Interest Rate Risk ArticlesSources of Revenue…Something to Consider
ALM, Consumer Behavior and Technology, Strategic Planning Blog PostsMany credit unions are examining their business models and dissecting their membership in several ways. One example is by age group. The objective is to understand where business is coming from to help ascertain the age groups that contribute the most to the cooperative. Often the focus is on loans and deposits. However, a key […]
Are New Members Different?
ALM, Consumer Behavior and Technology, Economy, Strategic Planning Blog PostsThese are challenging times for financial institutions but it’s tough for individuals too. Setting aside employment woes, managing personal finances has become especially difficult with the stock market in flux and dismal returns on deposits. As financial institutions shift strategies to adapt to the environment, customers are reacting by looking for a better deal. A […]