Credit unions are no longer what they were. At one time, they braved a new path in the banking world with the assistance of SEGs, and filled an open need for workers in America. That need is still there but many credit unions have grown from servicing singular employers into servicing entire communities. With that […]
/images/White-Logo.png00Charlene Leland/images/White-Logo.pngCharlene Leland2015-03-26 10:16:562021-01-25 15:31:28The Folly of a Poor Project Management Process
GOOD NEWS: Loan volume is up. BAD NEWS: Your lending manager is saying, “We need to hire more people!” Also, the current staff is working overtime. GOOD NEWS: You may not have to add staff and you may not need to pay overtime. Before you decide to add staff, step back and answer these questions: […]
/images/White-Logo.png00Charlene Leland/images/White-Logo.pngCharlene Leland2015-03-20 09:45:322021-01-25 15:31:28Thinking of Growing Your Loan Staff? Think Again
If RBC 2.0 passes as written, each credit union defined as complex will be required to quantify their unique risks and maintain adequate capital to back those risks, all of which is to be supported by a written strategy. Excerpt from proposed RBC 2.0, §702.101 (b) Capital Adequacy: “(1) Notwithstanding the minimum requirements in this […]
/images/White-Logo.png00Charlene Leland/images/White-Logo.pngCharlene Leland2015-03-13 11:52:162021-01-25 15:31:28Voice your concerns NOW about NCUA’s consideration of adding a separate IRR component to RBC
Credit unions purchase derivatives to receive value: interest rate risk protection. This blog series set out to help decision makers understand the variety of outcomes they could observe over the life of a derivative, and how those outcomes will ultimately determine the value realized. Over its life, derivative economic value is impacted by two forces: […]
/images/White-Logo.png00Charlene Leland/images/White-Logo.pngCharlene Leland2015-03-05 12:50:422021-01-25 15:31:28Evaluating Derivatives―Part V: Economic Value Declines Over Time
As the first round of NCUA supervisory stress tests are being completed, NCUA’s capital planning and stress testing rule for the largest credit unions might have you asking if you should be doing capital planning and stress testing too. Even if you are not a federally insured credit union with assets of $10 billion or […]
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The Folly of a Poor Project Management Process
Strategic Implementation Blog PostsCredit unions are no longer what they were. At one time, they braved a new path in the banking world with the assistance of SEGs, and filled an open need for workers in America. That need is still there but many credit unions have grown from servicing singular employers into servicing entire communities. With that […]
Thinking of Growing Your Loan Staff? Think Again
Process Improvement Blog PostsGOOD NEWS: Loan volume is up. BAD NEWS: Your lending manager is saying, “We need to hire more people!” Also, the current staff is working overtime. GOOD NEWS: You may not have to add staff and you may not need to pay overtime. Before you decide to add staff, step back and answer these questions: […]
Voice your concerns NOW about NCUA’s consideration of adding a separate IRR component to RBC
Interest Rate Risk Blog PostsIf RBC 2.0 passes as written, each credit union defined as complex will be required to quantify their unique risks and maintain adequate capital to back those risks, all of which is to be supported by a written strategy. Excerpt from proposed RBC 2.0, §702.101 (b) Capital Adequacy: “(1) Notwithstanding the minimum requirements in this […]
Evaluating Derivatives―Part V: Economic Value Declines Over Time
Investments and Derivatives Blog PostsCredit unions purchase derivatives to receive value: interest rate risk protection. This blog series set out to help decision makers understand the variety of outcomes they could observe over the life of a derivative, and how those outcomes will ultimately determine the value realized. Over its life, derivative economic value is impacted by two forces: […]
Capital Planning and Stress Testing
Strategic Planning Blog PostsAs the first round of NCUA supervisory stress tests are being completed, NCUA’s capital planning and stress testing rule for the largest credit unions might have you asking if you should be doing capital planning and stress testing too. Even if you are not a federally insured credit union with assets of $10 billion or […]