Articles
Don’t Lower Loan Rates Quite Yet
Originally published on CUInsight.com Yes, interest rates across the yield curve are down, but does that mean loan rates should follow suit? Maybe not quite yet. If the last couple of years have taught depositories anything, it’s that liquidity and the...
How to Prepare for NCUA’s 2024 Supervisory Priorities
The National Credit Union Administration (NCUA) recently released its 2024 Supervisory Priorities, highlighting key areas of focus for the agency in the year ahead. While these areas may seem familiar, as they were all included in the agency’s 2023...
3 steps to enhance your executive talent strategy
Article originally published by CUInsight, on December 6, 2023. According to the latest industry survey data as compiled by DDJ Myers, an ALM First company, approximately half of all CEOs in the credit union industry are over the age of 55. For credit...
10 Questions a Credit Union Board Should Ask When Establishing a Hedging Program
Credit unions are increasingly utilizing derivatives to manage risk, with industry interest and adoption growing since the NCUA streamlined rules surrounding hedging regulation in June of 2021. The current NCUA derivative rules, found in Part 703 Subpart...
Banking Crisis Analysis: Lessons for Portfolio Management Professionals
In the world of professional investment portfolio management, it is rare to be surprised by actual portfolio performance when returns are posted. Investment managers should always have a good idea of their portfolio’s estimated sensitivity to changes in...
Strengthening Asset Liability Management With Robust Interest Rate Risk Analysis
Depositories often attempt to estimate the path of future interest rates to protect their balance sheets from adverse rate movements or to capitalize on perceived market opportunities. However, it is nearly impossible to consistently and accurately...
How to Add Securitization to Your Liquidity Toolbox
ALM First’s work with several hundred depository institutions nationally allows the firm to identify the potential impacts of emerging trends and provide unique perspectives on the market. For example, last fall we addressed how mispriced assets were fueling a...
Seven Things You Forgot About Higher Interest Rates
Originally published by CUInsight.com Short and intermediate Treasury yields rose sharply in 2022 to the highest levels in 15 years. One clear impact to depository institutions was higher unrealized losses on their AFS portfolios, but at the same time, reinvestment...
What to Know About SVB, Signature Bank, and the Fed’s Emergency Measures
Banking regulators closed Silicon Valley Bank (SVB) on Friday, March 10 and Signature Bank on Sunday, March 13, 2023 appointing the Federal Deposit Insurance Corporation (FDIC) as receiver to protect depositors.
Preparing For 2023 NCUA Supervisory Priorities
The National Credit Union Administration (NCUA) released its 2023 Supervisory Priorities on January18, highlighting key areas of focus for the agency in the year ahead. Many of the priorities highlight risksthat arose in 2022, along with several new areas of focus....
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