Many credit unions have been seeing their NEV ratios decline since the end of 2018, even without any meaningful balance sheet changes. Others have shortened their assets and are still seeing their +300 NEV volatility increase. So what could be causing this trend that seems contrary to what one would expect from their balance sheet […]
/images/White-Logo.png00Heidi Reyes/images/White-Logo.pngHeidi Reyes2019-09-11 08:30:092019-09-11 08:30:09Why is NEV Showing More Risk Without Any Balance Sheet Changes?
This latest entry in our Napkin Math video series demonstrates a quick way to calculate the relationship between operating expense growth and asset growth. Like the previous videos in this series, this short video shows the simple math that credit union leaders can literally do on the back of a napkin to understand ballpark financial […]
If you are not seeing an increase in credit card acquisitions, you may want to take a look at the ease and timeliness of your online credit card application process. In Example A, we see that 69% of this credit union’s credit card applications are taking over 4 hours from the time the member applies […]
Recently the Federal Reserve announced a plan to develop a real-time payments system, called the FedNow Service, to launch in 2023 or 2024. This announcement is creating quite a buzz, and many are weighing in on the threats or opportunities. Rehearse tomorrow today by test driving the short-term, intermediate, and long-term impact real-time payments could […]
/images/White-Logo.png00Kaylyn Aguilar/images/White-Logo.pngKaylyn Aguilar2019-08-15 08:57:252019-08-15 08:57:25Fed’s Real-Time Payments System – Time to Start Thinking Critically
This video demonstrates how you can analyze your profitability profile for different investments in a variety of rate environments. When you have 5 to 6 minutes, please watch the new video and let us know what you think. To view other videos, visit our videos page. *The rates used in the video are for example purposes. However, […]
/images/White-Logo.png00Kaylyn Aguilar/images/White-Logo.pngKaylyn Aguilar2019-08-07 08:15:282019-08-07 08:15:28Results Dashboard Video – c. Profitability Profile: Different Investments
Why is NEV Showing More Risk Without Any Balance Sheet Changes?
ALM, Featured, NEVMany credit unions have been seeing their NEV ratios decline since the end of 2018, even without any meaningful balance sheet changes. Others have shortened their assets and are still seeing their +300 NEV volatility increase. So what could be causing this trend that seems contrary to what one would expect from their balance sheet […]
Napkin Math: ROA Impact of Operating Expense Growth vs. Asset Growth
ALM, Education, FeaturedThis latest entry in our Napkin Math video series demonstrates a quick way to calculate the relationship between operating expense growth and asset growth. Like the previous videos in this series, this short video shows the simple math that credit union leaders can literally do on the back of a napkin to understand ballpark financial […]
How to Combat a Credit Card Acquisition Plateau
Consumer Behavior, Featured, Process ImprovementIf you are not seeing an increase in credit card acquisitions, you may want to take a look at the ease and timeliness of your online credit card application process. In Example A, we see that 69% of this credit union’s credit card applications are taking over 4 hours from the time the member applies […]
Fed’s Real-Time Payments System – Time to Start Thinking Critically
Consumer Behavior, Featured, Strategic Planning, TechnologyRecently the Federal Reserve announced a plan to develop a real-time payments system, called the FedNow Service, to launch in 2023 or 2024. This announcement is creating quite a buzz, and many are weighing in on the threats or opportunities. Rehearse tomorrow today by test driving the short-term, intermediate, and long-term impact real-time payments could […]
Results Dashboard Video – c. Profitability Profile: Different Investments
ALM, Education, Featured, Interest Rate RiskThis video demonstrates how you can analyze your profitability profile for different investments in a variety of rate environments. When you have 5 to 6 minutes, please watch the new video and let us know what you think. To view other videos, visit our videos page. *The rates used in the video are for example purposes. However, […]