The Economy

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...

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...

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 Cynthia R. Walker, CEO

I recently returned from a business trip that was packed with many appointments and extensive driving from one client to another, with a tight...

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....