MHSI Blog

Credit Union Investing Basics: Why Liquidity Matters

By Jason Williams, Financial Analyst

One of the terms that comes up regularly in audit and regulatory exams for credit unions is "liquidity." As you evaluate...

Economic Outlook

By Matthew Jacobsen

After 7 years of historically low rates, the Federal Open Market Committee (FOMC) increased the Fed Funds target rate by 25 basis points. The...

The Financial Institution of Your Dreams

By Cynthia Walker, CEO and Jeffrey Johnson

The January 2016 Consumer Report magazine front cover reads, "Get the Bank of Your Dreams." The focus of their main article...

How Good Are Your Assumptions?

By Mark H. Smith, Founder

ALM models have come a long way. Over the last three decades they have evolved from simple spreadsheets estimating a gap between the repricing...

Organizing and Utilizing an Effective ALCO from Mark H. Smith, Inc. on Vimeo.

All Eyes Are on the Fed

By Mark H. Smith, Founder

As we close out 2015 the credit union system will complete its seventh year hobbled by historically low interest rates. The Fed pushed the...

Economic Outlook

By Cynthia Walker, CEO

The credit union industry posted some positive trends during the last quarter. Loan balances grew at a 10.4% annualized pace with July...

Loan Demand Forecasted to Increase

By Mark H. Smith, Founder

The November issue of Credit Union Magazine bore the following message on its cover: "Expect a Surge in Lending." With unemployment at its...

Just Say No

By Cynthia Walker, CEO

Life has a way of pestering you with issues from a myriad of directions, and sometimes it seems like the only response to the incessant and...

Implementing ALM Policies that are Functional from Mark H. Smith, Inc. on Vimeo.