Have the ALCO minutes for your interest rate risk reviews started to feel a little stale? It’s important to keep in mind that even though interest rate risk analysis can...

The second estimate of the U.S. GDP annualized growth rate for the second quarter of 2017 was 3.0%. This was a much sharper increase than expected and a significant...

Deposit rates have been at historic lows for several years. The Federal Reserve has raised their target federal funds rate a few times, causing credit union managers to...

Segmentation strategies continue to evolve as a tool to manage the cost of funds and optimize the flow of deposits. In 2001, we began urging clients to consider...

When we talk with credit unions about the results of their interest rate risk analysis, we are often asked the question, how do my credit union’s results compare to my...

Many are calling this the most sweeping change to financial institution accounting ever!

Mark H. Smith, Inc. recently conducted a survey on CECL readiness and planning among its clients. Based on the survey, most credit unions were aware of CECL and have...

Asset-Liability Committees (ALCO) may have become complacent over the last 8 years due to the lack of movement in market rates. Many credit unions I have worked with...

As we all know, credit union net interest margins have declined since 2009. Based on call report data the average net interest margin in 2009 was 363 basis points (bps)...

Measured by total loans, Wells Fargo Bank is the largest bank in America. It is also one of the largest when measured by retail deposits. Over the past six months, Wells...