Entries by Kailyn Miller

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Managing Operating Expenses When Your ROA is Under Pressure

Some financial institutions are feeling margin pressure as deposit rates are starting to rise. Pressure from the evolving competitive landscape is an increasing challenge as well. The squeeze in margin is starting to hit earnings, and is impacting expectations for earnings as we look ahead to 2019 and beyond. So as we enter the fall, […]

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New Entry in our Napkin Math Video Series

The latest entry in our Napkin Math video series demonstrates how to quickly calculate the Breakeven Point for Early Withdrawing Member CDs. Like the previous videos in this series, this short video shows the simple math that credit union leaders can literally do on the back of a napkin to understand ballpark financial performance. When […]

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Planning for the Unexpected?

Although the economy is humming along nicely right now, a survey of U.S. economists conducted by the National Association of Business Economics in May of 2018 suggested things could be changing. The results revealed that a full two-thirds of those surveyed believe the U.S. will experience a recession by the end of 2020. Numerous potential […]

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Putting Member Rate Advantages Into Perspective

The environment is quickly changing and so are members’ savings alternatives. Technology has made it such that competition is no longer limited to the institution down the street. A simple online search reveals there are financial institutions all over the country with money market rates close to 2.00%: Source: Savings Accounts & Rates. Retrieved from […]

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