The question that many credit union leaders are asking themselves lately is, how far do we reach for yield? With 10-year Treasury Rates rounding near 3% recently, how far can the balance sheet be pushed to make up for a squeezing margin? Consumers at large are facing a similar dilemma when it comes to managing […]
Consumer behavior, specifically spending statistics, is being tracked with much anticipation these days. Given that consumer spending accounts for 70% of the economy, this is no surprise. So what is the forecast? According to a new Associated Press Economy Survey, two-thirds of the 44 economists surveyed believe that the frugality created during the Great Recession […]
In risk analysis, it is important to make realistic assumptions about potential bad scenarios that could play out—large increases in interest rates and credit risk exceeding expectations are just a couple that come to mind. While interest rates are at an all-time low, credit risk is at an all-time high for some credit unions. In […]
Imagine a scenario where it is difficult to find deposits. Suppose the stock market is booming and members are taking funds out of your credit union. Even if you don’t have liquidity issues, what if your competitors do and deposit rates are higher as a result? Is this hard to imagine given all the liquidity […]
/images/White-Logo.png00Charlene Leland/images/White-Logo.pngCharlene Leland2010-04-23 11:27:362021-01-25 15:33:32Liquidity: Another Thing to Worry About?
Building on our last post on U.S. household debt being reduced primarily by default, and with consumer credit drying up, more and more struggling consumers are turning to bankruptcy as the only solution to solve their debt burden. There were 158,141 U.S. bankruptcy petitions filed last month, a 35% increase over February’s figure. Moreover, filings […]
/images/White-Logo.png00Charlene Leland/images/White-Logo.pngCharlene Leland2010-04-15 12:19:102021-01-25 15:33:32Bankruptcies on the Rise and the Evolving U.S. Debt Burden
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Consumers Shunning Risk
ALM, Consumer Behavior and Technology, Economy, Strategic Planning Blog PostsThe question that many credit union leaders are asking themselves lately is, how far do we reach for yield? With 10-year Treasury Rates rounding near 3% recently, how far can the balance sheet be pushed to make up for a squeezing margin? Consumers at large are facing a similar dilemma when it comes to managing […]
Mini Age of Austerity?
Consumer Behavior and Technology, Economy Blog PostsConsumer behavior, specifically spending statistics, is being tracked with much anticipation these days. Given that consumer spending accounts for 70% of the economy, this is no surprise. So what is the forecast? According to a new Associated Press Economy Survey, two-thirds of the 44 economists surveyed believe that the frugality created during the Great Recession […]
When is Worst Case?
ALM, Economy, Strategic Planning Blog PostsIn risk analysis, it is important to make realistic assumptions about potential bad scenarios that could play out—large increases in interest rates and credit risk exceeding expectations are just a couple that come to mind. While interest rates are at an all-time low, credit risk is at an all-time high for some credit unions. In […]
Liquidity: Another Thing to Worry About?
ALM, Economy, Liquidity, Strategic Planning Blog PostsImagine a scenario where it is difficult to find deposits. Suppose the stock market is booming and members are taking funds out of your credit union. Even if you don’t have liquidity issues, what if your competitors do and deposit rates are higher as a result? Is this hard to imagine given all the liquidity […]
Bankruptcies on the Rise and the Evolving U.S. Debt Burden
Consumer Behavior and Technology, Economy, Strategic Planning Blog PostsBuilding on our last post on U.S. household debt being reduced primarily by default, and with consumer credit drying up, more and more struggling consumers are turning to bankruptcy as the only solution to solve their debt burden. There were 158,141 U.S. bankruptcy petitions filed last month, a 35% increase over February’s figure. Moreover, filings […]