As we move into 2021, the following topics might be worth discussing and considering with your management team.
Earnings
During the first half of 2020, net interest...
The Bottom of the Frog Market
Several years back, I went to Mexico for a vacation. While there, I found a ceramic hand-painted frog-shaped planter that I wanted. My husband loves the hunt, and his...
Opportunities For Credit Unions - People Helping People
In February 2020, I attended the CUNA GAC conference. It was a treat to attend a conference with intelligent, friendly, down to earth people working in the credit union...
As Interest Rates Go Down, What Does That Look Like For ALM?
On December 11th, 2019, the Federal Reserve left short-term interest rates unchanged at a target range of 1.5% to 1.75%. This year, the Federal Open Market Committee cut...
Liquidity Management - Essential to Your Credit Union
Liquidity and liquidity risk management is essential for every FICU, regardless of size and complexity. All credit unions are required to have a policy and process in...
Strategic Planning for Growth
The leaves are changing, and the kids are back in school. Another seasonal event for many credit unions is the budgeting and strategic planning for next year. This...
Care About Your Beta? Industry Trends on Rate Sensitivities
Beta and the rate sensitivities of deposits is a hot topic when talking about interest rate risk. Understanding your deposits and predicting their behavior and rate...