5 Steps to Better Budgeting for 2020

Published in: CU Business The strategic planning season is ramping up and many financial institutions have initiated the process of preparing for 2020 – identifying likely challenges, defining strategic direction, and forecasting the balance sheet and financial...

Utilizing Swaps

Key Takeaways: Understanding swap use in today’s landscapeRemaining competitive in the lending space despite a flatter curveMaintaining a lower cost of funds in a rising rate environmentProtecting against the risk of unrealized losses in the investment portfolio Swaps...

Capital: How much is enough?

Published by CUInsight Capital is an important portion of any financial institution’s balance sheet, as it can be used to absorb losses and designates the percentage of assets a financial institution can stand to lose without becoming insolvent. The overarching...

Mortgage Hedging in 2021: Payups and Politics

Published by CU Business So far in 2021 the mortgage environment has felt like a reversal of 2020’s anomalous events. Furthermore, as if hedging mortgage risk wasn’t complicated enough, 2021 has brought some interesting updates and trends—the outcome of which could...

Change Likely to Lift Number of Participating CUs

Published by CU Today DALLAS—One ALM expert believes NCUA’s new rule on derivatives not only solves a “classic” dilemma for many of the very largest credit unions, it may also provide some assistance for credit unions further down the asset scale. Feature Derivatives...

Credit Union Mergers: 2020 Trends & Outlook

Published by Credit Union Times After years of experience helping credit unions navigate mergers and acquisitions, we have been struck by a unique trend taking place this year due to ongoing uncertainty in the marketplace. Let’s simply call it the “year 2020 effect.”...

How to Maintain Profitability in 2021

Published by Credit Union Business While uncertainty continues and financial institutions grapple with credit performance and what to expect in terms of potential losses down the road,finding new opportunities to enhance bottom-line performance while remaining...