On September 22nd, the 10-year Treasury Rate touched another historic low with a yield close to 1.7%. This is a critical measure, as many credit union assets are priced off of the longer end of the yield curve. There are many factors contributing to the low yield, including: The Fed’s decision to sell some shorter-term […]
Setting board expectations has always been key. However, it is increasingly important as many credit unions are seeing their ROA jump—largely due to falling provision ratios. Over the last two years, the industry average PLL has declined from its peak of just over 1% in 2009 to about 0.50% as of the first quarter in […]
We are currently gathering information on loan approval and funding rates in the credit union industry. Please click here to take our brief survey. Thanks!
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 […]
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 […]
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Record Low 10-Year Treasury Rates and Net Interest Margin
ALM, Economy Blog PostsOn September 22nd, the 10-year Treasury Rate touched another historic low with a yield close to 1.7%. This is a critical measure, as many credit union assets are priced off of the longer end of the yield curve. There are many factors contributing to the low yield, including: The Fed’s decision to sell some shorter-term […]
Setting Board Expectations
ALM, Budgeting Blog PostsSetting board expectations has always been key. However, it is increasingly important as many credit unions are seeing their ROA jump—largely due to falling provision ratios. Over the last two years, the industry average PLL has declined from its peak of just over 1% in 2009 to about 0.50% as of the first quarter in […]
Survey: Loan Approval And Funding
ALM Blog PostsWe are currently gathering information on loan approval and funding rates in the credit union industry. Please click here to take our brief survey. Thanks!
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 […]
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 […]