By Cynthia R. Walker, CEO

At the time of the Great Depression, most home mortgages were short-term. The common term was three to five years, with no amortization,...

By Matthew Jacobsen

Credit Union, Economic, and Interest Rate Expectations: Where Are We Now?

In March of 2016, the NCUA released credit union data for 2015 and noted...

By Mark H. Smith, Founder

Over my 30+ years working with credit unions, I have often witnessed the trauma that can occur from poorly written or nonexistent policies....

By Cynthia Walker, CEO

It was a long time coming.

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...

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...

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...

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...

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...

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...