There is a lot of debate on the mathematics and methodology for deposit withdrawal speed and deposit pricing assumptions in different rate environments. Let’s step back for a moment and first ask the question: What is the objective of developing the deposit assumptions? Ultimately, the end objective of these assumptions is to arrive at a […]
Many credit unions have implemented new loan origination and/or new account opening systems. While these new systems can absolutely enhance consumer experience, save time and drive better performance, we sometimes find that old processes remain in place when new systems are launched. If your credit union has implemented new systems and has not achieved desired […]
/images/White-Logo.png00Charlene Leland/images/White-Logo.pngCharlene Leland2014-05-23 11:00:032021-01-25 15:31:46Process Improvement: Are You Getting Your Desired Results Out of New Systems?
We are seeing some financial institutions in pockets of the country raise money market and CD rates. If you have not done so already, now may be a good time to proactively test the financial, liquidity and strategic impact of a fight for deposits, assuming rates don’t change.
Since last week’s blog post, we have received many requests for our response to NCUA’s Risk-Based Capital Proposed Rule. As a result, we have made our final response readily available on our website. One of our objectives in writing this response is to point out that prudent risk management is too complex to be reduced […]
The deadline for responses to the NCUA’s Risk-Based Capital Proposed Rule is quickly approaching and we are working hard on our response. We have our draft response available – if you are interested in reading it, please contact us.
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Cost of Funds: Pulling Together Deposit Assumptions
ALM Blog PostsThere is a lot of debate on the mathematics and methodology for deposit withdrawal speed and deposit pricing assumptions in different rate environments. Let’s step back for a moment and first ask the question: What is the objective of developing the deposit assumptions? Ultimately, the end objective of these assumptions is to arrive at a […]
Process Improvement: Are You Getting Your Desired Results Out of New Systems?
Process Improvement Blog PostsMany credit unions have implemented new loan origination and/or new account opening systems. While these new systems can absolutely enhance consumer experience, save time and drive better performance, we sometimes find that old processes remain in place when new systems are launched. If your credit union has implemented new systems and has not achieved desired […]
Is a Fight for Deposits Heating Up?
Interest Rate Risk, Strategic Planning Blog PostsWe are seeing some financial institutions in pockets of the country raise money market and CD rates. If you have not done so already, now may be a good time to proactively test the financial, liquidity and strategic impact of a fight for deposits, assuming rates don’t change.
RESPONSE TO NCUA PROPOSED PCA RISK-BASED CAPITAL RULE
Uncategorized Blog PostsSince last week’s blog post, we have received many requests for our response to NCUA’s Risk-Based Capital Proposed Rule. As a result, we have made our final response readily available on our website. One of our objectives in writing this response is to point out that prudent risk management is too complex to be reduced […]
Risk-Based Capital Proposed Rule
Uncategorized Blog PostsThe deadline for responses to the NCUA’s Risk-Based Capital Proposed Rule is quickly approaching and we are working hard on our response. We have our draft response available – if you are interested in reading it, please contact us.