We always try to stay current on the most recent areas of examiner focus. For those who have had an exam this year, we’d like to hear from you! Please take a few moments to take our short survey and provide your thoughts. All survey responses will remain anonymous. Click here to complete the survey.
Strategic planning can excite, galvanize and motivate teams; however, even the best strategic plans are worthless without great execution. Teams often find themselves scrambling. What sounds doable while isolated from the everyday whirlwind can seem insurmountable post-strategic planning. A solid process surrounding strategic planning can contribute greatly to successful execution. It’s no secret that strategic […]
/images/White-Logo.png00Charlene Leland/images/White-Logo.pngCharlene Leland2014-08-21 10:18:542021-01-25 15:31:45Create a Process for Successful Execution of the Strategic Plan
There is some debate regarding reasonable methodologies and approaches for loan discount rates for an NEV analysis. Discounting to the current offering rate, to a comparable asset-backed security rate and including a credit risk spread are just a few of the approaches that are debated. Regardless of the assumptions approach, the values need to make […]
Budgeting season is around the corner. Credit unions will spend valuable time and resources over the next few months developing budgets that achieve ROA and net worth goals. As the budgeting process moves forward and nears completion, decision-makers should ask: What happens to our interest rate risk if the budget comes true? Budgeting helps credit […]
Recently, we blogged about interest rate risk (IRR) modeling methodologies that can give credit unions a false sense of security. (See blog titled “Is Your Risk Methodology Giving You a False Sense of Security?” Posted on July 3, 2014.) We noted that traditional income simulation seldom incorporates the risk of non-maturity deposit withdrawals or member […]
/images/White-Logo.png00Charlene Leland/images/White-Logo.pngCharlene Leland2014-08-01 09:39:002021-01-25 15:31:45Is Your Interest Rate Risk Model Incorporating the Risk of Deposit Mix Changes?
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Survey: Recent Examiner Findings
ALM Blog PostsWe always try to stay current on the most recent areas of examiner focus. For those who have had an exam this year, we’d like to hear from you! Please take a few moments to take our short survey and provide your thoughts. All survey responses will remain anonymous. Click here to complete the survey.
Create a Process for Successful Execution of the Strategic Plan
Process Improvement, Strategic Planning Blog PostsStrategic planning can excite, galvanize and motivate teams; however, even the best strategic plans are worthless without great execution. Teams often find themselves scrambling. What sounds doable while isolated from the everyday whirlwind can seem insurmountable post-strategic planning. A solid process surrounding strategic planning can contribute greatly to successful execution. It’s no secret that strategic […]
NEV: Do the Values Make Sense?
ALM Blog PostsThere is some debate regarding reasonable methodologies and approaches for loan discount rates for an NEV analysis. Discounting to the current offering rate, to a comparable asset-backed security rate and including a credit risk spread are just a few of the approaches that are debated. Regardless of the assumptions approach, the values need to make […]
Testing the Budget’s Interest Rate Risk
Budgeting, Interest Rate Risk Blog PostsBudgeting season is around the corner. Credit unions will spend valuable time and resources over the next few months developing budgets that achieve ROA and net worth goals. As the budgeting process moves forward and nears completion, decision-makers should ask: What happens to our interest rate risk if the budget comes true? Budgeting helps credit […]
Is Your Interest Rate Risk Model Incorporating the Risk of Deposit Mix Changes?
ALM, Interest Rate Risk Blog PostsRecently, we blogged about interest rate risk (IRR) modeling methodologies that can give credit unions a false sense of security. (See blog titled “Is Your Risk Methodology Giving You a False Sense of Security?” Posted on July 3, 2014.) We noted that traditional income simulation seldom incorporates the risk of non-maturity deposit withdrawals or member […]