The director of the Federal Housing Finance Agency recently announced that Fannie Mae and Freddie Mac were planning to bring back some of the same types of lending criteria credited with contributing to the last crisis in housing (such as lower down payments, etc.). The intended objective is to further stimulate the housing market, which […]
Before any project within a credit union is launched, the project manager and project team should construct an appropriate objective statement for the finished project. The objective statement should clearly give anyone who reads it a precise idea of what the project will achieve once implemented. An objective statement should be SMART: Specific Measurable Attainable […]
Recently, we’ve seen more credit unions offering a 5/5 ARM product. While there are some differences institution-to-institution, usually the 5/5 ARM repricing characteristics have a 2% initial cap, a 2% annual cap and a lifetime maximum rate adjustment of 5% above the initial interest rate. The intent is to offer a product that is beneficial […]
Throughout the sustained, low interest rate environment, many credit unions have become flush with non-maturity deposit funds, while also experiencing lackluster loan growth. In other words, liquidity risk hasn’t necessarily been at top of mind. However, as the economic landscape shifts and murmurings of an increase in government interest rates grow, the issue of liquidity […]
In the most recent NCUA Economic Update, John Worth (Chief Economist, NCUA) outlined NCUA’s chief concern regarding the impact of a changing rate environment, given an interpretation of recent Federal Reserve comments and data analysis. See below for a key quote from the video: “If the increase in short rates is larger than the increase […]
/images/White-Logo.png00Charlene Leland/images/White-Logo.pngCharlene Leland2014-10-09 09:55:512021-01-25 15:31:45How is Your Modeling Positioned to Capture NCUA’s “Chief Concern”?
We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. By clicking “Accept All”, you consent to the use of ALL the cookies. However, you may visit "Cookie Settings" to provide a controlled consent.
This website uses cookies to improve your experience while you navigate through the website. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may affect your browsing experience.
Necessary cookies are absolutely essential for the website to function properly. These cookies ensure basic functionalities and security features of the website, anonymously.
Cookie
Duration
Description
cookielawinfo-checkbox-analytics
11 months
This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Analytics".
cookielawinfo-checkbox-functional
11 months
The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional".
cookielawinfo-checkbox-necessary
11 months
This cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category "Necessary".
cookielawinfo-checkbox-others
11 months
This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Other.
cookielawinfo-checkbox-performance
11 months
This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Performance".
viewed_cookie_policy
11 months
The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. It does not store any personal data.
Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features.
Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors.
Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc.
Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. These cookies track visitors across websites and collect information to provide customized ads.
Will Recent Real Estate History Repeat Itself?
Economy, Strategic Planning Blog PostsThe director of the Federal Housing Finance Agency recently announced that Fannie Mae and Freddie Mac were planning to bring back some of the same types of lending criteria credited with contributing to the last crisis in housing (such as lower down payments, etc.). The intended objective is to further stimulate the housing market, which […]
What is the Objective?
Strategic Implementation Blog PostsBefore any project within a credit union is launched, the project manager and project team should construct an appropriate objective statement for the finished project. The objective statement should clearly give anyone who reads it a precise idea of what the project will achieve once implemented. An objective statement should be SMART: Specific Measurable Attainable […]
30-Year Fixed-Rate Mortgages vs. 5/5 ARMs
Strategic Planning Blog PostsRecently, we’ve seen more credit unions offering a 5/5 ARM product. While there are some differences institution-to-institution, usually the 5/5 ARM repricing characteristics have a 2% initial cap, a 2% annual cap and a lifetime maximum rate adjustment of 5% above the initial interest rate. The intent is to offer a product that is beneficial […]
Liquidity Risk: Loan-to-Share Ratios Are Moving Up
Liquidity Blog PostsThroughout the sustained, low interest rate environment, many credit unions have become flush with non-maturity deposit funds, while also experiencing lackluster loan growth. In other words, liquidity risk hasn’t necessarily been at top of mind. However, as the economic landscape shifts and murmurings of an increase in government interest rates grow, the issue of liquidity […]
How is Your Modeling Positioned to Capture NCUA’s “Chief Concern”?
Budgeting Blog PostsIn the most recent NCUA Economic Update, John Worth (Chief Economist, NCUA) outlined NCUA’s chief concern regarding the impact of a changing rate environment, given an interpretation of recent Federal Reserve comments and data analysis. See below for a key quote from the video: “If the increase in short rates is larger than the increase […]