Entries by CMuser

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Testing a Negative Rate Scenario? Consider These Questions First

There has been a lot of buzz recently about the potential for negative interest rates to hit U.S. financial markets at some point.  Short-term rates have been negative in Europe since June 2014, and the Bank of Japan made the move in January of this year. Before you test this scenario from an asset/liability management perspective, […]

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How Better Processes Can Help Solve Your Talent Crisis

As the nation’s unemployment rate continues its downward trend, many credit unions are celebrating higher loan demand and lower loan losses.  But as most employers know, low unemployment levels have a darker side. Great talent is precious and sometimes elusive.  To survive and thrive in the highly competitive and rapidly evolving financial services industry, high-quality […]

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Grow or Die – A Strategic View of Growth

Grow or die. We hear this quite often. But what does it really mean? The game has changed. Credit unions are no longer just competing against other financial institutions. Non-traditional competitors are taking away non-interest income, especially sources such as interchange income. At the same time, non-traditional competitors, such as Lending Club and Sofi, are […]

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c. notes – Aggregating Risks to Inform Strategy

To remain successful as the world changes and becomes more complex, risk management processes must keep pace. Risk management begins with identifying and quantifying strategic risks. An effective process also recognizes that it is not adequate to only quantify and understand risks in silos. Risks should also be quantified and understood in aggregate. As history […]

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