Market interest rates have been sitting at or near record low levels for almost five years. As a result, credit unions are booking assets at very low rates and, in many cases, lengthening their balance sheet to slow the decline in yield. From a business perspective, it makes sense for credit unions to be especially […]
/images/White-Logo.png00Charlene Leland/images/White-Logo.pngCharlene Leland2014-01-30 13:04:552021-01-25 15:32:05A/LM MODELING: NEV AND NII ASSUMPTIONS: THINGS TO CONSIDER
If you know what the term “firing on all cylinders” means, then you know what an efficient process looks like. When something is functioning at this level, it is working at its fullest capability or in optimum condition. An example of a loan process firing on all cylinders is when your MSRs, loan officers, underwriting […]
When approaching net economic value (NEV) analyses, the issue of valuing non-maturity deposits has been a point of contention for practitioners and regulators alike. The focus traditionally is on the question: What is the final maturity of a deposit that contractually never matures? In the end, the nature of the question of maturities needs to […]
/images/White-Logo.png00Charlene Leland/images/White-Logo.pngCharlene Leland2014-01-16 11:21:442021-01-25 15:32:05Net Economic Value: What is a Reasonable Value for Non-Maturity Deposits?
https://www.cmyers.com/wp-content/uploads/2020/12/blog-post-scaled.jpg17072560Charlene Leland/images/White-Logo.pngCharlene Leland2014-01-09 21:50:092021-03-02 14:03:09A/LM Modeling: NEV and NII Assumptions: Things to Consider
Where will your next members come from? This question often comes up during credit union strategic planning sessions and it can spark great strategic discussions. The conversation usually starts with understanding and quantifying where current members come from and how trends have been changing. Common sources for new member acquisition include: Indirect source: Auto dealerships, […]
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.
A/LM MODELING: NEV AND NII ASSUMPTIONS: THINGS TO CONSIDER
ALM Blog PostsMarket interest rates have been sitting at or near record low levels for almost five years. As a result, credit unions are booking assets at very low rates and, in many cases, lengthening their balance sheet to slow the decline in yield. From a business perspective, it makes sense for credit unions to be especially […]
Process Improvement For Credit Unions
Process Improvement Blog PostsIf you know what the term “firing on all cylinders” means, then you know what an efficient process looks like. When something is functioning at this level, it is working at its fullest capability or in optimum condition. An example of a loan process firing on all cylinders is when your MSRs, loan officers, underwriting […]
Net Economic Value: What is a Reasonable Value for Non-Maturity Deposits?
ALM Blog PostsWhen approaching net economic value (NEV) analyses, the issue of valuing non-maturity deposits has been a point of contention for practitioners and regulators alike. The focus traditionally is on the question: What is the final maturity of a deposit that contractually never matures? In the end, the nature of the question of maturities needs to […]
A/LM Modeling: NEV and NII Assumptions: Things to Consider
ALM, Interest Rate Risk ArticlesMember Acquisition: A Relevant Strategic Planning Topic
Strategic Planning Blog PostsWhere will your next members come from? This question often comes up during credit union strategic planning sessions and it can spark great strategic discussions. The conversation usually starts with understanding and quantifying where current members come from and how trends have been changing. Common sources for new member acquisition include: Indirect source: Auto dealerships, […]