Over the last 10 years the deposits in the credit union industry have experienced solid increases. In June of 2015 the savings balances at credit unions hit a milestone...

Expectations for the next federal funds rate increase seem to change on a dime these days. Furthermore, it would seem by some that Federal Reserve Bank authority “media...

Box Elder County FCU is a $106 million credit union located in a rural and historically agricultural county in northwestern Utah. In recent years the credit union has...

In June the NCUA board reviewed the recommendation by NCUA’s Office of Examination and Insurance to consider releasing a proposal in the coming months to incorporate an...

For the last five years, smallish Family Focus Federal Credit Union (Family Focus) in Omaha, Nebraska, has defied the odds. While most credit unions at its asset size,...

Record low long-term U.S. Treasury interest rates and economic growth

The second quarter ended with the 10-year and 30-year U.S. Treasury yields at record lows. To put...

A rate sensitivity analysis is very useful when attempting to determine how a change in the Fed Funds rate will impact a credit union’s cost of funds. As we have...

Mark H. Smith Staff

There has been quite a bit of media attention paid to loan growth in the last year. We surveyed credit unions, both clients and non-clients, to...

By Mark H. Smith, Founder

Credit unions and like-minded small businesses across the country are the heart and soul of the US economy. While big business focuses on...